16928 Three Oaks Rd, Three Oaks, MI 49128 Property Records

Berrien County property record for 16928 Three Oaks Rd, Three Oaks, MI 49128

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,496 sqft · built 1920
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,498 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-0003-0010-01-1`

Property Details

APN / Parcel Number

Primary APN	`20-0003-0010-01-1`
Alternative APN	`11-20-0003-0010-01-1`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,496 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Lot Area	25,265 sqft (0.58 acres)
Garage Area	1,026 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16928 THREE OAKS RD
City	THREE OAKS
State	MI
Zip	49128-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 145' S OF NE COR SEC 3 T8S R20W TH S 91.45' TH W 280.5' TH N 71.45' TH E 26.25' TH N 20' TH E 254.25' TO POB
Legal Range	20W
Legal Township	08S
Legal Section	03
Jurisdiction	BERRIEN MI
Township / Civil Division	THREE OAKS
Census Block Group	1
Census Block	1024
Census Tract	11400

Owner

Source: Berrien County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16928 THREE OAKS RD, THREE OAKS, MI 49128-9701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2019	Deed of Trust, Mortgage · Line of Credit UNITED FCU
May 3, 2021	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Dec 20, 2022	Deed of Trust, Mortgage · Line of Credit ADVIA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	16928 THREE OAKS RD, THREE OAKS, MI 49128-9701
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03253/0552
Date	Oct 15, 2019
Book Page	3253/0552

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	16928 THREE OAKS RD, THREE OAKS, MI 49128-9701
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03325/1544
Date	May 3, 2021
Book Page	3325/1544

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	16928 THREE OAKS RD, THREE OAKS, MI 49128-9701
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16928 THREE OAKS RD, THREE OAKS, MI 49128-9701

Mortgage

Document Number	003395/932
Date	Dec 20, 2022
Book Page	3395/932
Instrument	2022369709

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 19, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Three Oaks Township
Unified School District	River Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,700 (+16.11%)	$259,400 (+16.11%)
2025	$1,498.00 (+5.57%)
2023		$111,700	$223,400
2022	$1,419.00

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 September 10, 2024

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications.

Nearby Properties on Three Oaks Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures