St. Joseph County property record for 1204 4th St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1900 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,000 (Apr 2022) |
| Tax Bill | $780 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jan 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-245-338-00 |
| Primary APN | 051-245-338-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 140 ft deep x 42 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1204 4TH ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | N 42 FT OF LOT 9 BLK 82 SEC 19 T6S R11W VIL OF LOCKPORT ALSO W 1/2 OF VACATED ALLEY BET N & S LOT LNS EXTD AS RECD IN L686-P3 |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 19 |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 82 |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 40200 |
1204 4th St is owned and occupied by two individuals who bought it in April 2022.
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA |
| Jan 6, 2023 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Apr 13, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2022 · Amount on File |
| Deed Sale | Apr 13, 2022 · Amount on File |
| Prior Sale | Jun 7, 2012 · Amount on File |
| Deed Document Number | 20223576 |
| Prior Transfer Date | Dec 21, 2011 |
| Prior Transfer Doc | 1636/0856 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
| Document Number | 2023008952 |
|---|---|
| Date | Dec 19, 2023 |
| Instrument | 2023008952 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
| Document Number | 2023000159 |
|---|---|
| Date | Jan 6, 2023 |
| Instrument | 2023000159 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 13, 2022 |
| Property Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
| Document Number | 2022003576 |
| Instrument Date | Apr 7, 2022 |
| Instrument | 2022003576 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $187.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 500 E CUSHMAN ST, 500, THREE RIVERS, MI 49093-1452 |
| Name | Verified Name |
|---|---|
| Address | 1204 4TH ST, THREE RIVERS, MI 49093-1810 |
The 2025 property tax bill for 1204 4th St was $780 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,400 Land $2,400 Building $32,000 | $68,800 Land $4,800 Building $64,000 | |
| 2025 | $780.00 Homeowner's exemption | ||
| 2023 | $24,800 Land $1,600 Building $23,200 | $49,600 Land $3,200 Building $46,400 | |
| 2022 | $688.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1204 4th St in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1982.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 46 (1982–2018) |
| Claims Outside the SFHA | 2 of 46 |
| Most Recent Claim | Feb 2018 · tidal / storm surge |
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.
The area around 1204 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THREE RIVERS serves 7,905 people · EPA ID MI0006610 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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