14644 Millard Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 14644 Millard Rd, Three Rivers, MI 49093 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1955
Lot Size	1.57 acres (68,389 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Jul 2026)
Tax Bill	$1,307 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-014-022-00`

Property Details

APN / Parcel Number

Primary APN	`004-014-022-00`

Interior

Full Baths	1 Bath
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	68,389 sqft (1.57 acres)
Lot Dimensions	380 ft deep x 180 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	14644 MILLARD RD
City	THREE RIVERS
State	MI
Zip	49093-8227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT PT 460 FT W OF SE COR SW 1/4 SE 1/4 SEC 14 T6S R12W POB TH W 200 FT TH N 396 FT TH E 200 FT TH S 396 FT TO POB.
Legal Range	12W
Legal Township	06S
Legal Section	14
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	3
Census Block	3001
Census Tract	41102

Owner

Source: St. Joseph County records · APN 004-014-022-00

Assessment roll updated July 24, 2026 · Last verified August 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 File
Mailing Address	12476 SLEEPY HOLLOW RD, THREE RIVERS, MI 49093-9545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU
Nov 09, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HANCOCK MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Deed Document Number	20266219
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 31, 2026
Property Address	14644 MILLARD RD, THREE RIVERS, MI 49093-8227
Document Number	0000006219
Instrument Date	Jul 30, 2026
Instrument	20266219
Transaction Type	Transfer
Record Updated	Aug 06, 2026
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$183,315.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12476 SLEEPY HOLLOW RD, THREE RIVERS, MI 49093-9545

Mortgage

Document Number	0000006220,
Date	Jul 31, 2026
Instrument	20266220

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	14644 MILLARD RD, THREE RIVERS, MI 49093-8227
Transaction Type	Mortgage
Record Updated	Mar 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022009190
Date	Oct 25, 2022
Instrument	2022009190

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 09, 2020
Property Address	14644 MILLARD RD, THREE RIVERS, MI 49093-8227
Document Number	2020007378
Instrument Date	Oct 01, 2020
Instrument	2020007378
Transaction Type	Transfer
Record Updated	Mar 09, 2023
Title Company	TITLE RESOURCE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1444 MILLARD RD, THREE RIVERS, MI 49093

Mortgage

Date	Nov 09, 2020

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$102,100 (+13.95%) Land $18,800 Building $83,300	$204,200 (+13.95%) Land $37,600 Building $166,600
2025	Homeowner's exemption	$89,600 Land $14,200 Building $75,400	$179,200 Land $28,400 Building $150,800
2024	$1,307.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Xfinity	Cable	2,000 / 250
Midwest Energy Cooperative	Fiber	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Mercury Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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