St. Joseph County property record for 1305 4th St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1900 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $78,000 (May 2020) |
| Tax Bill | $1,576 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage Oct 2019 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-245-392-00 |
| Primary APN | 051-245-392-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1305 4TH ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 2 BLK 94 SEC 19 T6S R11W VIL OF LOCKPORT ALSO E 1/2 OF VACATED ALLEY BET N & S LOT LNS EXTD AS RECD IN L686-P398 CITY OF |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 19 |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 94 |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 40200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1305 4TH ST, THREE RIVERS, MI 49093-1811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2020 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 4, 2019 | Deed in Lieu of Foreclosure, Foreclosure |
| Jan 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on Record |
| Deed Sale | May 19, 2020 · Amount on Record |
| Prior Sale | Oct 4, 2019 |
| Prior Transfer Date | Dec 22, 2015 |
| Prior Transfer Doc | 01854/0555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 19, 2020 |
| Property Address | 1305 4TH ST, THREE RIVERS, MI 49093-1811 |
| Document Number | 2020001769 |
| Map Reference | LB 1 PG 67 |
| Instrument Date | May 14, 2020 |
| Instrument | 2020001769 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 SKATING RINK RD, WETUMPKA, AL 36092-6602 |
| Name | Verified Name |
|---|---|
| Address | 63734 WALNUT RD, VANDALIA, MI 49095-7702 |
| Document Number | 2020001770 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 2020001770 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 4, 2019 |
| Property Address | 1305 4TH ST, THREE RIVERS, MI 49093-1811 |
| Document Number | 01977/0620 |
| Book / Page | 1977 / 0620 |
| Map Reference | LB 686 PG 398 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1305 4TH ST, THREE RIVERS, MI 49093-1811 |
| Name | Verified Name |
|---|---|
| Address | 305 SKATING RINK RD, WETUMPKA, AL 36092-6602 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 12, 2017 |
| Property Address | 1305 4TH ST, THREE RIVERS, MI 49093-1811 |
| Document Number | 01854/0555 |
| Book / Page | 1854 / 0555 |
| Map Reference | LB686 PG398 |
| Instrument Date | Dec 22, 2015 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1305 4TH ST, THREE RIVERS, MI 49093-1811 |
| Name | Verified Name |
|---|---|
| Address | 305 SKATING RINK RD, WETUMPKA, AL 36092-6602 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,900 (-0.81%) Land $3,500 Building $45,400 | $97,800 (-0.81%) Land $7,000 Building $90,800 | |
| 2025 | $1,576.00 (+13.38%) Homeowner's exemption | $49,300 (+38.48%) Land $3,400 Building $45,900 | $98,600 (+38.48%) Land $6,800 Building $91,800 |
| 2023 | $35,600 Land $2,300 Building $33,300 | $71,200 Land $4,600 Building $66,600 | |
| 2022 | $1,390.00 |
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.
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.
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.
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 |
| 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.
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 |
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