1304 5th St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 1304 5th St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 2000
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jul 2019)
Tax Bill	$1,288 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-245-381-00`

Property Details

APN / Parcel Number

Primary APN	`051-245-381-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,728 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 80 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1304 5TH ST
City	THREE RIVERS
State	MI
Zip	49093-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 9 & N 19.99 FT LOT 8 VILL OF LOCKPORT SEC 19 T6S R11W CITY OF THREE RIVERS ALSO THAT PT OF W 1/2 OF VAC ALLEY LYING E OF
Legal Range	11W
Legal Township	06S
Legal Section	19
Legal Subdivision	CITY OF THREE RIVERS
Legal Lot Number	9
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1049
Census Tract	40200

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	1304 5TH ST, THREE RIVERS, MI 49093-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2019 · Amount on Record
Deed Sale	Jul 5, 2019 · Amount on Record
Prior Sale	Nov 21, 2000
Deed Book / Page	1965 / 241
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 5, 2019
Property Address	1304 5TH ST, THREE RIVERS, MI 49093-1824
Document Number	01965/0241
Book / Page	1965 / 0241
Map Reference	LB 1 PG 67
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OAK TITLE SERVICES LLC, OKAK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1304 5TH ST, 1304, THREE RIVERS, MI 49093-1824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 CANAL ST, THREE RIVERS, MI 49093-1213

Mortgage

Document Number	0001965244
Date	Jul 5, 2019
Instrument	1965/244

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

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		$66,200 (+31.09%)	$132,400 (+31.09%)
2025	$1,288.00 (-25.29%) Homeowner's exemption
2023		$50,500 Land $3,000 Building $47,500	$101,000 Land $6,000 Building $95,000
2022	$1,724.00

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