17970 Bluff Dr, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 17970 Bluff Dr, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,818 sqft
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$274,900 (Apr 2024)
Tax Bill	$1,515 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jun 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-195-015-00`

Property Details

APN / Parcel Number

Primary APN	`009-195-015-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,818 sqft Living Area
1st Floor Area	909 sqft
Basement Area	909 sqft
Unfinished Basement	909 sqft

Exterior

Architectural Style	Ranch
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	217 ft deep x 100 ft wide
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	17970 BLUFF DR
City	THREE RIVERS
State	MI
Zip	49093-8448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 RIVER WATCH SUB SEC 17 T6S R11W. (SPLIT FR/ 009-195-057-00 FOR 2019)
Legal Range	11W
Legal Township	06S
Legal Section	17
Legal Subdivision	RIVER WATCH SUB
Legal Lot Number	15
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	2
Census Block	2030
Census Tract	40400

Owner

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

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	25397 MINTDALE RD, STURGIS, MI 49091-9389
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 29, 2023	Warranty Deed, Transfer PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE
Mar 1, 2019	Deed, Transfer · Commercial Mortgage G W JONES EXCHANGE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Deed Document Number	20243237
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 29, 2024
Property Address	17970 BLUFF DR, THREE RIVERS, MI 49093
Document Number	2024003237
Map Reference	LB 6 PG 189
Instrument Date	Apr 19, 2024
Instrument	2024003237
Transaction Type	Transfer
Record Updated	May 15, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2186 E CENTRE AVE, PORTAGE, MI 49002-4420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25397 MINTDALE RD, STURGIS, MI 49091-9389

Mortgage

Document Number	2024003238
Date	Apr 29, 2024
Instrument	2024003238

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 29, 2023
Property Address	BLUFF DR, THREE RIVERS, MI 49093
Document Number	2023004770
Map Reference	LB 6 PG 189
Instrument Date	Jun 29, 2023
Instrument	2023004770
Transaction Type	Transfer
Record Updated	Jul 24, 2023
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18675 WARNER RD, DECATUR, MI 49045-9414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 E CENTRE AVE, PORTAGE, MI 49002-4420

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 1, 2019
Property Address	BLUFF DR, THREE RIVERS, MI 49093
Document Number	01949/0900
Book / Page	1949 / 0900
Map Reference	LB 6 PG 189
Instrument Date	Feb 25, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10753 MACATAWA DR, 10753, HOLLAND, MI 49424-9572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18675 WARNER RD, DECATUR, MI 49045-9414
Investor	Possibly a Property Investor

Mortgage

Document Number	0001949902
Date	Mar 1, 2019
Instrument	1949/902

Lender

Name	G W JONES EXCHANGE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 26, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,600 (+2,614.81%)	$293,200 (+2,614.81%)
2025	$1,515.00 Homeowner's exemption
2023		$5,400 Land $5,400	$10,800 Land $10,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1989–2018)
Most Recent Claim	Feb 2018 · river or lake flooding

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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