1207 5th St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 1207 5th St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 952 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$66,000 (Sep 2019)
Tax Bill	$1,263 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-245-330-00`

Property Details

APN / Parcel Number

Primary APN	`051-245-330-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	952 sqft Living Area
1st Floor Area	688 sqft
Basement Area	688 sqft
Unfinished Basement	688 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1207 5TH ST
City	THREE RIVERS
State	MI
Zip	49093-1821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 2 BLK 82 SEC 19 T6S R11W VIL OF LOCKPORT ALSO E 1/2 OF VACATED ALLEY BET N & S LOT LNS EXTD AS RECD IN L686-P398 CITY OF
Legal Range	11W
Legal Township	06S
Legal Section	19
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	82
Legal Lot Number	2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1043
Census Tract	40200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1207 5TH ST, THREE RIVERS, MI 49093-1821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	Dec 29, 2015 · Amount on Record
Deed Book / Page	1973 / 696
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 9, 2019
Property Address	1207 5TH ST, THREE RIVERS, MI 49093-1821
Document Number	01973/0696
Book / Page	1973 / 0696
Map Reference	LB F PG 18
Instrument Date	Sep 3, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1207 5TH ST, 1207, THREE RIVERS, MI 49093-1821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 S MAIN ST, THREE RIVERS, MI 49093-1763

Mortgage

Document Number	0001973699
Date	Sep 9, 2019
Instrument	1973/699

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,900 (+62.1%) Land $3,500 Building $47,400	$101,800 (+62.1%) Land $7,000 Building $94,800
2025	$1,263.00 (+13.38%) Homeowner's exemption
2023		$31,400 Land $2,300 Building $29,100	$62,800 Land $4,600 Building $58,200
2022	$1,114.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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