St. Joseph County property record for 132 Middle St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 980 sqft · built 1900 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $15,661 (Jul 2026) |
| Tax Bill | $2,625 (2025) |
| Deeds & Mortgages | Jul 2026 Foreclosure Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 051-410-023-00 |
| Primary APN | 051-410-023-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| 1st Floor Area | 560 sqft |
| Basement Area | 560 sqft |
| Unfinished Basement | 612 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 132 MIDDLE ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 41 CENTRAL ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Lot Number | 41 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 40400 |
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 | PO BOX 61, SAINT JOSEPH, MI 49085-0061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2026 | Sheriff's Deed, Foreclosure NONE LISTED ON DOCUMENT |
| Mar 15, 2023 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 9, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on Record |
| Deed Sale | Jul 7, 2026 · Amount on Record |
| Prior Sale | Mar 15, 2023 · Amount on Record |
| Deed Document Number | 20265478 |
| Prior Transfer Date | Aug 7, 2018 |
| Prior Transfer Doc | 01926/0891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 7, 2026 |
| Property Address | 132 MIDDLE ST, THREE RIVERS, MI 49093-1646 |
| Document Number | 0000005478 |
| Instrument Date | May 7, 2026 |
| Instrument | 20265478 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $11,863.46 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 15, 2023 |
| Property Address | 132 MIDDLE ST, THREE RIVERS, MI 49093-1646 |
| Document Number | 2023001678 |
| Map Reference | LB 1 PG 30 |
| Instrument Date | Mar 8, 2023 |
| Instrument | 2023001678 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $915.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 N ANDREWS ST, THREE RIVERS, MI 49093-2225 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 315 OAKLAND AVE, SANDUSKY, OH 44870-5525 |
| Date | Mar 15, 2023 |
|---|
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 9, 2018 |
| Property Address | 132 MIDDLE ST, THREE RIVERS, MI 49093-1646 |
| Document Number | 01926/0891 |
| Book / Page | 1926 / 0891 |
| Instrument Date | Aug 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $103.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 112, VANDALIA, MI 49095-0112 |
| Name | Verified Name |
|---|---|
| Address | 132 MIDDLE ST, THREE RIVERS, MI 49093-1646 |
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 | $63,600 (+9.84%) Land $2,700 Building $60,900 | $127,200 (+9.84%) Land $5,400 Building $121,800 | |
| 2025 | $2,625.00 (+119.67%) Homeowner's exemption | $57,900 (+124.42%) Land $2,700 Building $55,200 | $115,800 (+124.42%) Land $5,400 Building $110,400 |
| 2023 | $25,800 Land $1,900 Building $23,900 | $51,600 Land $3,800 Building $47,800 | |
| 2022 | $1,195.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 11 individual policies |
| Nearby Flood Policies | 44 units insured incl. 33 condo units |
| Nearby Flood Claims | 20 (1981–2020) |
| Most Recent Claim | May 2020 · rainfall accumulation |
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 | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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