12951 Harder Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12951 Harder Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,976 sqft · built 1978
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,921 (2025)
Deeds & Mortgages	Sep 2026 Transfer Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-033-012-40`

Property Details

APN / Parcel Number

Primary APN	`004-033-012-40`

Interior

Full Baths	2 Baths
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft
Basement Area	1,618 sqft
Unfinished Basement	1,618 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Lot Area	117,176 sqft (2.69 acres)
Lot Dimensions	230 ft deep x 510 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12951 HARDER RD
City	THREE RIVERS
State	MI
Zip	49093-9278
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM C/L HARDER RD WHICH IS N 0D 13M 28S W 397.68 FT FROM A PNT ON S LN WHICH IS S 89D 42M 38S E 2031.41 FT FROM S 1/4 COR SEC
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

12951 Harder Rd is owned and occupied by two individuals who acquired it in August 2026.

Source: St. Joseph County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12951 HARDER RD, THREE RIVERS, MI 49093-9278
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 11, 2026
Transfer Doc	0000007112
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 2, 2026
Property Address	12951 HARDER RD, THREE RIVERS, MI 49093-9278
Document Number	0000007112
Instrument Date	Aug 11, 2026
Instrument	20267112
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	12951 HARDER RD, THREE RIVERS, MI 49093-9278

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12951 HARDER RD, THREE RIVERS, MI 49093-9278
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1922/0204
Date	Jul 6, 2018
Book Page	1922/0204

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12951 Harder Rd was $1,921 with a homeowner's exemption.

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		$141,800 Land $31,900 Building $109,900	$283,600 Land $63,800 Building $219,800
2025	$1,921.00 Homeowner's exemption

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

Flood

FEMA maps place 12951 Harder Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12951 Harder Rd is low, with a 0.01% annual chance of 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 14 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 (outdoors only) and 4G LTE

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