12884 Riverside Dr, Constantine, MI 49042 Property Records

St. Joseph County property record for 12884 Riverside Dr, Constantine, MI 49042

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,250 sqft · built 2017
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jan 2020)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`003-100-020-02`

Property Details

APN / Parcel Number

Primary APN	`003-100-020-02`

Interior

Full Baths	2 Baths
Building Area	2,250 sqft Building Perimeter
1st Floor Area	2,250 sqft
Basement Area	2,250 sqft
Unfinished Basement	2,250 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12884 RIVERSIDE DR
City	CONSTANTINE
State	MI
Zip	49042-8736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 125 FT OF S 725 FT M/L OF LOT 20 OXBOW ACRES. SEC 33 T7S R12W.
Legal Range	12W
Legal Township	07S
Legal Section	33
Legal Subdivision	OXBOW ACRES
Legal Lot Number	20
Jurisdiction	ST JOSEPH MI
Township / Civil Division	CONSTANTINE
Census Block Group	3
Census Block	3032
Census Tract	41101

Owner

Source: St. Joseph County records · APN 003-100-020-02

Assessment roll updated August 11, 2025 · Last verified July 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 File
Mailing Address	12884 RIVERSIDE DR, CONSTANTINE, MI 49042-8736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 24, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC
Jul 03, 2017	Intrafamily Transfer, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 24, 2020 · Amount on Record
Deed Sale	Jan 24, 2020 · Amount on Record
Prior Sale	Jul 03, 2017
Deed Book / Page	1994 / 65
Prior Transfer Date	Jun 30, 2017
Prior Transfer Doc	1875/0950
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12884 RIVERSIDE DR, CONSTANTINE, MI 49042-8736
Transaction Type	Mortgage
Record Updated	May 03, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000723
Date	Jan 22, 2021
Instrument	2021000723

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 24, 2020
Property Address	12884 RIVERSIDE DR, CONSTANTINE, MI 49042-8736
Document Number	01994/0065
Book / Page	1994 / 0065
Map Reference	LB 3 PG 18
Instrument Date	Jan 15, 2020
Transaction Type	Transfer
Record Updated	May 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,021.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12884 RIVERSIDE DR, 12884, CONSTANTINE, MI 49042-8736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12884 RIVERSIDE DR, CONSTANTINE, MI 49042-8736

Mortgage

Document Number	0000199467
Date	Jan 24, 2020
Instrument	1994/67

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 03, 2017
Property Address	12884 RIVERSIDE DR, CONSTANTINE, MI 49042-8736
Document Number	1875/0950
Book / Page	1875 / 0950
Map Reference	LB3 PG18
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	12884 RIVERSIDE DR, CONSTANTINE, MI 49042-8736

Mortgage

Document Number	18750953
Date	Jul 03, 2017
Instrument	1875/0953

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Constantine Township
Unified School District	Constantine Public School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$172,900 (+8.47%)	$345,800 (+8.47%)
2025	$1,228.00 Homeowner's exemption	$159,400 Land $10,100 Building $149,300	$318,800 Land $20,200 Building $298,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2018 · other causes

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Broadband, Midwest Energy Cooperative, T-Mobile USA.

Based on FCC filings for 47 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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