St. Joseph County property record for 131 Middle St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 1930 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,093 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-410-013-00 |
| Primary APN | 051-410-013-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,460 sqft Living Area |
| 1st Floor Area | 822 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 222 ft deep x 50 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 131 MIDDLE ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOTS 15 AND 26 ALSO W 20 FT OF VACATED BATTLE ST ALG E END OF LOT 15 CENTRAL ADD CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Lot Number | 15,26 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 40400 |
131 Middle St is owned and occupied by two individuals.
Source: St. Joseph County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 131 MIDDLE ST, THREE RIVERS, MI 49093-1645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Book / Page | 705 / 27 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 131 MIDDLE ST, THREE RIVERS, MI 49093-1645 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 131 MIDDLE ST, THREE RIVERS, MI 49093-1645 |
| Document Number | 2022008438 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 2022008438 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2037 |
The 2025 property tax bill for 131 Middle St was $1,093 with a homeowner's exemption.
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 | $56,900 Land $4,000 Building $52,900 | $113,800 Land $8,000 Building $105,800 | |
| 2025 | $1,093.00 Homeowner's exemption | ||
| 2023 | $40,600 Land $1,900 Building $38,700 | $81,200 Land $3,800 Building $77,400 | |
| 2022 | $964.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 131 Middle St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1989–2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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.
The area around 131 Middle St has no burnable land within ember reach, so its wildfire risk is not rated.
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 260 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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