12316 Sunset Dr, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12316 Sunset Dr, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,418 sqft · built 1984
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,154 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-430-008-00`

Property Details

APN / Parcel Number

Primary APN	`004-430-008-00`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Building Area	2,418 sqft Living Area
1st Floor Area	2,360 sqft
Basement Area	1,784 sqft
Unfinished Basement	1,784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	184 ft deep x 112 ft wide
Garage Area	956 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12316 SUNSET DR
City	THREE RIVERS
State	MI
Zip	49093-9580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 N 6 FT OF LOT 7 & N 6 FT OF E 68.36 FT OF LOT 6 SUNSET SHORES SUB IN NW 1/4 SEC 16 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	16
Legal Subdivision	SUNSET SHORES SHORES
Legal Lot Number	8
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1015
Census Tract	41102

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	2 Individual Names on Record
Mailing Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jun 27, 2023	Intrafamily Transfer, Transfer
May 26, 2023	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
May 10, 2023	Intrafamily Transfer, Transfer
Feb 10, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 1998
Deed Sale	Apr 13, 1998
Deed Book / Page	844 / 946
Last Transfer Date	Jun 22, 2023
Transfer Doc	2023004687
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580

Mortgage

Document Number	2020001076
Date	Apr 24, 2020
Instrument	2020001076

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 27, 2023
Property Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580
Document Number	2023004687
Map Reference	LB 4 PG 46
Instrument Date	Jun 22, 2023
Instrument	2023004687
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580

Mortgage

Document Number	2023004012
Date	May 26, 2023
Instrument	2023004012

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 15, 2048

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	May 10, 2023
Property Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580
Document Number	2023003621
Map Reference	LB 4 PG 46
Instrument Date	May 10, 2023
Instrument	2023003621
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 10, 2020
Property Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580
Document Number	1995/0991
Book / Page	1995 / 0991
Map Reference	LB 4 PG 46
Instrument Date	Feb 6, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12316 SUNSET DR, THREE RIVERS, MI 49093-9580

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		$247,300 (+8.09%) Land $8,700 Building $238,600	$494,600 (+8.09%) Land $17,400 Building $477,200
2025	$3,154.00 Homeowner's exemption	$228,800 (+25.3%) Land $7,000 Building $221,800	$457,600 (+25.3%) Land $14,000 Building $443,600
2023		$182,600 Land $5,200 Building $177,400	$365,200 Land $10,400 Building $354,800

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy & Communications Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

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

Nearby Properties on Sunset Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures