13191 Harder Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13191 Harder Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,404 sqft · built 2000
Lot Size	2.93 acres (127,631 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Mar 2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-034-014-20`

Property Details

APN / Parcel Number

Primary APN	`004-034-014-20`

Interior

Full Baths	3 Baths
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Mobile Home
Lot Area	127,631 sqft (2.93 acres)
Lot Dimensions	497 ft deep x 257 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13191 HARDER RD
City	THREE RIVERS
State	MI
Zip	49093-9279
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM S 1/4 COR SEC 34 T6S R12W TH S 89D 30M 29S W 1318.55 FT TH N 00D 44M 44S W 459.86 FT TO POB TH S 89D 30M 29S W 500 FT TH
Legal Range	12W
Legal Township	06S
Legal Section	34
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1014
Census Tract	41101

Owner

13191 Harder Rd is owned and occupied by two individuals who bought it in March 2026.

Source: St. Joseph County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	58310 BENEDICT DR, GOSHEN, IN 46528-9030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on File
Deed Sale	Mar 9, 2026 · Amount on File
Prior Sale	Sep 5, 2001
Deed Document Number	20261719
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 9, 2026
Property Address	13191 HARDER RD, THREE RIVERS, MI 49093-9279
Document Number	2026001719
Instrument Date	Feb 23, 2026
Instrument	2026001719
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13191 HARDER RD, THREE RIVERS, MI 49093-9279

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13191 HARDER RD, THREE RIVERS, MI 49093-9279

Mortgage

Document Number	2026001720
Date	Mar 9, 2026
Instrument	2026001720

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Mar 1, 2036
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	12.1%

Tax Assessment & Valuation

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		$115,600 (+9.47%) Land $26,800 Building $88,800	$231,200 (+9.47%) Land $53,600 Building $177,600
2025	Homeowner's exemption	$105,600 Land $20,300 Building $85,300	$211,200 Land $40,600 Building $170,600

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

FEMA maps place 13191 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 13191 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 11 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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