15684 Shady Ln, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 15684 Shady Ln, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,283 sqft · built 2004
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (Aug 2016)
Tax Bill	$1,064 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-050-010-00`

Property Details

APN / Parcel Number

Primary APN	`007-050-010-00`

Interior

Full Baths	1 Bath
Building Area	1,283 sqft Building Perimeter
1st Floor Area	1,283 sqft
Basement Area	1,283 sqft
Unfinished Basement	1,283 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	203 ft deep x 110 ft wide
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	15684 SHADY LN
City	THREE RIVERS
State	MI
Zip	49093-9541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 PLAT OF PINEVIEW ESTATES SEC 13 T5S R12W.
Legal Range	12W
Legal Township	05S
Legal Section	13
Legal Subdivision	PINEVIEW ESTATES
Legal Lot Number	10
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FLOWERFIELD
Census Block Group	2
Census Block	2027
Census Tract	40900

Owner

15684 Shady Ln is owned and occupied by two individuals who bought it in August 2016.

Source: St. Joseph County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541
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

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU
Jul 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARBOR FINANCIAL CU
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2016 · Amount on File
Deed Sale	Aug 17, 2016 · Amount on File
Prior Sale	Aug 30, 2007 · Amount on File
Deed Book / Page	1835 / 731
Prior Transfer Date	Aug 26, 2009
Prior Transfer Doc	1545/0506
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541

Mortgage

Document Number	2026001426
Date	Feb 26, 2026
Instrument	2026001426

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541

Mortgage

Document Number	2022006716
Date	Jul 28, 2022
Instrument	2022006716

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2032

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15684 SHADY LN, THREE RIVERS, MI 49093-9541

Mortgage

Document Number	2021008869
Date	Sep 2, 2021
Instrument	2021008869

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 15684 Shady Ln was $1,064 with a homeowner's exemption.

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$125,100 (+3.99%)	$250,200 (+3.99%)
2025	$1,064.00 Homeowner's exemption	$120,300 Land $9,900 Building $110,400	$240,600 Land $19,800 Building $220,800

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

Flood

FEMA maps place 15684 Shady Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 15684 Shady Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Verizon.

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