St. Joseph County property record for 16852 Lovers Ln, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,272 sqft · built 1959 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | Individual Name on File |
| Last Sale | $172,500 (May 2019) |
| Tax Bill | $2,352 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-060-001-00 |
| Primary APN | 009-060-001-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,272 sqft Building Perimeter |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 1,272 sqft |
| Unfinished Basement | 1,272 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Lot Area | 31,363 sqft (0.72 acres) |
| Lot Dimensions | 127 ft deep x 247 ft wide |
| Garage Area | 1,416 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 16852 LOVERS LN |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-9001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1, 2 & 3 CHERRY LANE SUB. SEC 6 T6S R11W. |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 06 |
| Legal Subdivision | CHERRY LANE SUB |
| Legal Lot Number | 1-3 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | LOCKPORT |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 40100 |
16852 Lovers Ln is owned and occupied by an individual who bought it in May 2019.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16852 LOVERS LN, THREE RIVERS, MI 49093-9001 |
| 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 |
|---|---|
| Jun 28, 2017 | Deed of Trust, Mortgage · Line of Credit OMNI COMMUNITY CU |
| Sep 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jan 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage OMNI COMMUNITY CU |
| May 10, 2019 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2019 · Amount on File |
| Deed Sale | May 10, 2019 · Amount on File |
| Prior Sale | Aug 20, 2014 · Amount on File |
| Deed Book / Page | 1958 / 439 |
| Prior Transfer Date | Oct 22, 1990 |
| Prior Transfer Doc | 0608000892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 16852 LOVERS LN, THREE RIVERS, MI 49093-9001 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | CALHOUN TITLE AND ESCROW AGENCY, CALHOUN TITLE |
| Name | Verified Name |
|---|
| Document Number | 01875/0364 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 1875/0364 |
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49015 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 16, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 16852 LOVERS LN, THREE RIVERS, MI 49093-9001 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020006058 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 2020006058 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 16852 LOVERS LN, THREE RIVERS, MI 49093-9001 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01902/0080 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | 1902/0080 |
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 10, 2019 |
| Property Address | 16852 LOVERS LN, THREE RIVERS, MI 49093-9001 |
| Document Number | 01958/0439 |
| Book / Page | 1958 / 0439 |
| Map Reference | LB 3 PG 56 |
| Instrument Date | Mar 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,483.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16852 LOVERS LN, 16852, THREE RIVERS, MI 49093-9001 |
| Name | Verified Name |
|---|---|
| Address | 16852 LOVERS LN, THREE RIVERS, MI 49093-9001 |
| Document Number | 0001958441 |
|---|---|
| Date | May 10, 2019 |
| Instrument | 1958/441 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 16852 Lovers Ln was $2,352 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Lockport Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,200 Land $11,800 Building $99,400 | $222,400 Land $23,600 Building $198,800 | |
| 2025 | $2,352.00 Homeowner's exemption |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16852 Lovers Ln 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 risk around 16852 Lovers Ln is low, with less than 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 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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