12675 Harder Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12675 Harder Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,899 sqft · built 1900
Lot Size	3.63 acres (158,123 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Feb 2026)
Tax Bill	$632 (2025)
Deeds & Mortgages	Mar 2005 Mortgage Nov 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-033-014-00`

Property Details

APN / Parcel Number

Primary APN	`004-033-014-00`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,899 sqft Living Area
1st Floor Area	1,413 sqft
Basement Area	1,061 sqft
Unfinished Basement	1,061 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	158,123 sqft (3.63 acres)
Lot Dimensions	250 ft deep x 250 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12675 HARDER RD
City	THREE RIVERS
State	MI
Zip	49093-9243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	W 1/2 SE 1/4 SEC 33 T6S R12W LYG S OF HARDER RD. EXC E 66 FT. 3.7 A.
Legal Range	12W
Legal Township	06S
Legal Section	33
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	2
Census Block	2000
Census Tract	41101

Owner

Source: St. Joseph County records, as of July 20, 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	1870 N 500 W, SHIPSHEWANA, IN 46565-8747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2005	Deed of Trust, Mortgage ABN AMRO MORTGAGE GROUP INC
Nov 3, 2009	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES FEDERAL SAVINGS BANK OF DEKALB C
Feb 25, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2026 · Amount on Record
Deed Sale	Feb 25, 2026 · Amount on Record
Prior Sale	Jul 19, 1993
Deed Document Number	20261404
Record Updated	Sep 20, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12675 HARDER RD, THREE RIVERS, MI 49093-9243
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01291/0057
Date	Mar 7, 2005
Book Page	1291/0057

Lender

Name	ABN AMRO MORTGAGE GROUP INC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2020

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12675 HARDER RD, THREE RIVERS, MI 49093-9243
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	VT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01553/0042
Date	Nov 3, 2009
Book Page	1553/0042

Lender

Name	PEOPLES FEDERAL SAVINGS BANK OF DEKALB C
Address	THREE RIVERS, MI 49093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2024

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 25, 2026
Property Address	12675 HARDER RD, THREE RIVERS, MI 49093-9243
Document Number	2026001404
Instrument Date	Feb 17, 2026
Instrument	2026001404
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,992.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12675 HARDER RD, THREE RIVERS, MI 49093-9243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12675 HARDER RD, THREE RIVERS, MI 49093-9243

Mortgage

Document Number	2026001405
Date	Feb 25, 2026
Instrument	2026001405

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Type Change Date	Mar 1, 2029
Change Frequency	3 Years
Min Rate At Change	3.95%
Max Rate At Change	7.95%
Index	3-Year CMT
Max Rate	11.9%

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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		$119,500 (+13.7%)	$239,000 (+13.7%)
2025	$632.00 (-57.41%) Homeowner's exemption	$105,100 Land $22,600 Building $82,500	$210,200 Land $45,200 Building $165,000
2024	$1,484.00

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	2 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Harder Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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