1435 River St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 1435 River St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,276 sqft · built 1900
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$59,900 (Feb 2000)
Tax Bill	$810 (2025)
Deeds & Mortgages	May 2019 Mortgage Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051-299-057-00`

Property Details

APN / Parcel Number

Primary APN	`051-299-057-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	912 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	340 ft deep x 120 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1435 RIVER ST
City	THREE RIVERS
State	MI
Zip	49093-1172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	I-1
Legal Description	COM NE COR BLK 3 BUCK & THOMS ADDITION CITY OF THREE RIVERS TH E ON S LN RIVER ST 120 FT TH S TO N LN RR R/W TH WLY ALG SD R/
Legal Subdivision	BUCK & THOMS ADDITION
Legal Block	3-4,201
Legal Lot Number	4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	2
Census Block	2006
Census Tract	40200

Owner

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	1435 RIVER ST, THREE RIVERS, MI 49093-1172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 27, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2000 · Amount on Record
Deed Sale	Feb 9, 2000 · Amount on Record
Prior Sale	Jul 9, 1998
Deed Book / Page	924 / 852
Last Transfer Date	Oct 19, 2017
Transfer Doc	1891/0050
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	1435 RIVER ST, THREE RIVERS, MI 49093-1172
Transaction Type	Mortgage
Record Updated	Jun 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1959/0054
Date	May 14, 2019
Book Page	1959/0054

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2034

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 27, 2017
Property Address	1435 RIVER ST, THREE RIVERS, MI 49093-1172
Document Number	1891/0050
Book / Page	1891 / 0050
Instrument Date	Oct 19, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25039 US HIGHWAY 12151, 25039, STURGIS, MI 49091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 RIVER ST, THREE RIVERS, MI 49093-1172

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
Municipality	Three Rivers City
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,900 (+0.81%) Land $10,800 Building $39,100	$99,800 (+0.81%) Land $21,600 Building $78,200
2025	$810.00 (+13.29%) Homeowner's exemption	$49,500 (+53.73%) Land $10,500 Building $39,000	$99,000 (+53.73%) Land $21,000 Building $78,000
2023		$32,200 Land $4,500 Building $27,700	$64,400 Land $9,000 Building $55,400
2022	$715.00

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

Flood

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	1 in force
Nearby Flood Claims	3 (1978–1989)
Most Recent Claim	Jun 1989 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Frontier, Mercury Fiber, Spectrum.

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