St. Joseph County property record for 13520 Harder Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,568 sqft · built 1993 |
| Lot Size | 12.1 acres (528,383 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $386,000 (Apr 2025) |
| Tax Bill | $1,841 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-034-017-10 |
| Primary APN | 004-034-017-10 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Basement Area | 1,568 sqft |
| Unfinished Basement | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Lot Area | 528,383 sqft (12.1 acres) |
| Lot Dimensions | 200 ft deep x 250 ft wide |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 13520 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 | COM 851.29 FT N OF S 1/4 COR SEC 34 T6S R12W TH N 1772.98 FT TO CEN OF SEC TH E 294.02 FT TH S 1671.18 FT TO C/L HARDER RD TH |
| 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 |
13520 Harder Rd is owned and occupied by two individuals who bought it in April 2025.
Source: St. Joseph County records, as of July 24, 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 | 13520 HARDER RD, THREE RIVERS, MI 49093-9245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2025 · Amount on File |
| Deed Sale | Apr 15, 2025 · Amount on File |
| Prior Sale | May 7, 2001 · Amount on File |
| Deed Document Number | 20253085 |
| Prior Transfer Date | Jan 26, 2009 |
| Prior Transfer Doc | 1514/0191 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 13520 Harder Rd was $1,841 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of July 24, 2026
| 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 | $175,500 (+14.93%) Land $70,400 Building $105,100 | $351,000 (+14.93%) Land $140,800 Building $210,200 | |
| 2025 | $1,841.00 Homeowner's exemption | $152,700 Land $51,100 Building $101,600 | $305,400 Land $102,200 Building $203,200 |
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.
FEMA maps place 13520 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 13520 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 | Direct burnable vegetation |
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 and 4G LTE (outdoors only)
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