St. Joseph County property record for 13328 Harder Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,279 sqft · built 1928 |
| Lot Size | 7.13 acres (310,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Jun 2010) |
| Tax Bill | $755 (2025) |
| Deeds & Mortgages | Sep 2017 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-034-013-00 |
| Primary APN | 004-034-013-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,279 sqft Living Area |
| 1st Floor Area | 1,319 sqft |
| Basement Area | 1,319 sqft |
| Unfinished Basement | 1,319 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Lot Area | 310,583 sqft (7.13 acres) |
| Lot Dimensions | 250 ft deep x 250 ft wide |
| Total Buildings | 5 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 13328 HARDER RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-9245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | W 1/2 E 1/2 SW 1/4 SEC 34 T6S R12W LYG N OF C/L HARDER RD. EXC N 1320 FT. |
| Legal Range | 12W |
| Legal Township | 06S |
| Legal Section | 34 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | FABIUS |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 41102 |
13328 Harder Rd is owned and occupied by an individual who acquired it in October 2015.
Source: St. Joseph County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13328 HARDER RD, THREE RIVERS, MI 49093-9245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2010 · Amount on File |
| Deed Sale | Jun 7, 2010 · Amount on File |
| Prior Sale | Jul 7, 2008 · Amount on File |
| Deed Book / Page | 1576 / 386 |
| Last Transfer Date | Oct 2, 2015 |
| Transfer Doc | 1799/0680 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 13328 HARDER RD, THREE RIVERS, MI 49093-9245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1884/0739 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 1884/0739 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2032 |
The 2025 property tax bill for 13328 Harder Rd was $755 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of August 11, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Fabius Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $138,200 (+15.84%) | $276,400 (+15.84%) | |
| 2025 | $755.00 Homeowner's exemption | $119,300 Land $34,500 Building $84,800 | $238,600 Land $69,000 Building $169,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13328 Harder Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 13328 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.
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 |
5G (outdoors only) and 4G LTE
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