13778 Harder Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13778 Harder Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 1977
Lot Size	8.09 acres (352,400 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Mar 2009)
Tax Bill	$1,168 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-034-016-10`

Property Details

APN / Parcel Number

Primary APN	`004-034-016-10`

Interior

Full Baths	2 Baths
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Mobile Home
Lot Area	352,400 sqft (8.09 acres)
Lot Dimensions	330 ft deep x 260 ft wide
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13778 HARDER RD
City	THREE RIVERS
State	MI
Zip	49093-8218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	W 264 FT OF NE 1/4 OF SE 1/4 SEC 34 T6S R12W. 8 A.
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

Owner

13778 Harder Rd is owned and occupied by two individuals who acquired it in March 2019.

Source: St. Joseph County records, as of July 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13778 HARDER RD, THREE RIVERS, MI 49093-8218
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2009 · Amount on File
Deed Sale	Mar 12, 2009 · Amount on File
Prior Sale	Aug 12, 1996 · Amount on File
Deed Book / Page	1520 / 534
Last Transfer Date	Mar 13, 2019
Transfer Doc	01952/0207
Record Updated	Oct 29, 2026

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 26, 2019
Property Address	13778 HARDER RD, THREE RIVERS, MI 49093-8218
Document Number	01952/0207
Book / Page	1952 / 0207
Instrument Date	Mar 13, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13778 HARDER RD, 13778, THREE RIVERS, MI 49093-8218

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13778 HARDER RD, THREE RIVERS, MI 49093-8218

Mortgage

Document Number	0001952209
Date	Mar 26, 2019
Instrument	1952/209

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 13778 Harder Rd was $1,168 with a homeowner's exemption.

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		$97,800 (+18.98%) Land $52,000 Building $45,800	$195,600 (+18.98%) Land $104,000 Building $91,600
2025	$1,168.00 Homeowner's exemption	$82,200 Land $38,200 Building $44,000	$164,400 Land $76,400 Building $88,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13778 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

Wildfire risk around 13778 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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