11094 Harbor Dr, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 11094 Harbor Dr, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,702 sqft · built 2003
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,183 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`004-330-026-00`

Property Details

APN / Parcel Number

Primary APN	`004-330-026-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,702 sqft Living Area
1st Floor Area	1,796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	116 ft deep x 120 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	11094 HARBOR DR
City	THREE RIVERS
State	MI
Zip	49093-9256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOTS 26 & 27 SANDY HARBOR SEC 29 T6S R12W (COMB W/004-330-027-00 FEB/03)
Legal Range	12W
Legal Township	06S
Legal Section	29
Legal Subdivision	SANDY HARBOR
Legal Lot Number	26-27
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	4
Census Block	4011
Census Tract	41102

Owner

Source: St. Joseph County records, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	926 ELM ST, PARK RIDGE, IL 60068-3336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
May 14, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Book / Page	549 / 165
Last Transfer Date	Mar 3, 2020
Transfer Doc	2020001696
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 5, 2026
Property Address	11094 HARBOR DR, THREE RIVERS, MI 49093-9256
Document Number	0000007976
Instrument Date	Sep 19, 2026
Instrument	20267976
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	926 ELM ST, PARK RIDGE, IL 60068-3336

Mortgage

Document Number	0000007977,
Date	Oct 5, 2026
Instrument	20267977

Lender

Name	OLD NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	May 14, 2020
Property Address	11094 HARBOR DR, THREE RIVERS, MI 49093-9256
Document Number	2020001696
Instrument Date	Mar 3, 2020
Instrument	2020001696
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	11094 HARBOR DR, THREE RIVERS, MI 49093-9256

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Fabius Township
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$487,700 (+18.66%) Land $148,000 Building $339,700	$975,400 (+18.66%) Land $296,000 Building $679,400
2025	$7,183.00 (+2.67%) Homeowner's exemption	$411,000 (+20.56%) Land $119,500 Building $291,500	$822,000 (+20.56%) Land $239,000 Building $583,000
2024	$6,996.00
2023		$340,900 Land $107,400 Building $233,500	$681,800 Land $214,800 Building $467,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1996–2008)
Most Recent Claim	Sep 2008 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Midwest Energy & Communications.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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