St. Joseph County property record for 1403 S Main St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,112 sqft · built 1940 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Sep 2023) |
| Tax Bill | $2,108 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Aug 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-210-002-00 |
| Primary APN | 051-210-002-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,112 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 800 sqft |
| Unfinished Basement | 800 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 182 ft deep x 36 ft wide |
| Garage Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1403 S MAIN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 2 BLK 1 BANKERS ADD CITY OF 3 RIVERS. |
| Legal Subdivision | BANKERS ADD CITY OF 3 RIVERS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 40200 |
1403 S Main St is owned and occupied by an individual who bought it in September 2023.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1403 S MAIN ST, THREE RIVERS, MI 49093-1749 |
| 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.
| Date | Document |
|---|---|
| Sep 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage ARBOR FINANCIAL CU |
| Aug 29, 2023 | Warranty Deed, Transfer PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on File |
| Deed Sale | Sep 5, 2023 · Amount on File |
| Prior Sale | Aug 29, 2023 · Amount on File |
| Deed Document Number | 20236315 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 5, 2023 |
| Property Address | 1403 S MAIN ST, THREE RIVERS, MI 49093-1749 |
| Document Number | 2023006315 |
| Map Reference | LB 1 PG 38 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 2023006315 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $885.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 223 PORTAGE AVE, THREE RIVERS, MI 49093-1529 |
| Name | Verified Name |
|---|---|
| Address | 17082 OWL CT, THREE RIVERS, MI 49093-9055 |
| Document Number | 2023006316 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 2023006316 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 10.8% |
| Max Rate | 10.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 29, 2023 |
| Property Address | 1403 S MAIN ST, THREE RIVERS, MI 49093-1749 |
| Document Number | 2023006183 |
| Map Reference | LB 1 PG 38 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 2023006183 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE |
| Amount | Amount on Record |
|---|---|
| Tax | $885.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 223 PORTAGE AVE, THREE RIVERS, MI 49093-1529 |
| Name | Verified Name |
|---|---|
| Address | 17082 OWL CT, THREE RIVERS, MI 49093-9055 |
The 2025 property tax bill for 1403 S Main St was $2,108 with a homeowner's exemption.
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 | $48,600 Land $2,400 Building $46,200 | $97,200 Land $4,800 Building $92,400 | |
| 2025 | $2,108.00 Homeowner's exemption | ||
| 2023 | $37,200 Land $1,400 Building $35,800 | $74,400 Land $2,800 Building $71,600 | |
| 2022 | $1,357.00 |
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 1403 S Main St in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1982.
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 | 9 in force |
| Nearby Flood Claims | 46 (1982–2018) |
| Claims Outside the SFHA | 2 of 46 |
| Most Recent Claim | Feb 2018 · tidal / storm surge |
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.
The area around 1403 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 265 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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