18136 M 86, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 18136 M 86, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,010 sqft
Lot Size	32.4 acres (1,413,522 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,848 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-021-009-30`

Property Details

APN / Parcel Number

Primary APN	`009-021-009-30`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,010 sqft Building Perimeter
1st Floor Area	1,340 sqft
Basement Area	1,340 sqft
Unfinished Basement	1,340 sqft

Exterior

Lot Area	1,413,522 sqft (32.4 acres)
Lot Dimensions	210 ft deep x 208 ft wide
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	18136 M 86
City	THREE RIVERS
State	MI
Zip	49093-8306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SEC 21 T6S T11W TH S 89D 58M 48S E 230.36 FT TO POB TH N 00D 04M 47S W (REC N 00D 04M 47S) 1100 FT TH N 48D 00M 59
Legal Range	11W
Legal Township	06S
Legal Section	21
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	2
Census Block	2004
Census Tract	41200

Owner

Source: St. Joseph County records, as of July 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18136 M 86, THREE RIVERS, MI 49093-8306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage STURGIS BANK AND TRUST COMPANY
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2002
Deed Sale	May 7, 2002
Deed Book / Page	1058 / 71
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Recording Date	May 28, 2026
Property Address	18136 M 86, THREE RIVERS, MI 49093-8306
Document Number	0000004445
Instrument Date	May 21, 2026
Instrument	20264445
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18136 M 86, THREE RIVERS, MI 49093-8306

Mortgage

Document Number	0000004445,
Date	May 28, 2026
Instrument	20264445

Lender

Name	STURGIS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 27, 2041

Interest

Rate Type	Fixed Rate
Rate	5.58%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	18136 M 86, THREE RIVERS, MI 49093-8306
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18136 M 86, THREE RIVERS, MI 49093-8306

Mortgage

Document Number	2023006503
Date	Sep 11, 2023
Instrument	2023006503

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	18136 M 86, THREE RIVERS, MI 49093-8306
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000804
Date	Jan 26, 2021
Instrument	2021000804

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Lockport Township
Unified School District	Centreville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$280,800 (+4.66%) Land $74,500 Building $206,300	$561,600 (+4.66%) Land $149,000 Building $412,600
2025	$4,848.00 Homeowner's exemption	$268,300 Land $105,500 Building $162,800	$536,600 Land $211,000 Building $325,600

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 June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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