St. Joseph County property record for 18511 S River Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,712 sqft · built 1968 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Nov 2014) |
| Tax Bill | $1,538 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-270-006-10 |
| Primary APN | 009-270-006-10 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,712 sqft Building Perimeter |
| 1st Floor Area | 1,712 sqft |
| Basement Area | 1,712 sqft |
| Unfinished Basement | 1,712 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Lot Area | 50,094 sqft (1.15 acres) |
| Lot Dimensions | 400 ft deep x 125 ft wide |
| Garage Area | 392 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 18511 S RIVER RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-9327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM N 1/4 COR SEC 21 T6S R11W TH E ON SEC LN 125 FT TH S 407.26 FT (REC 507.26 FT) TH W 125 FT TH N 407.26 FT TO POB. EXC HWY |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 21 |
| Legal Subdivision | ST JOE ACRES |
| Legal Tract | 131 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | LOCKPORT |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 41200 |
18511 S River Rd is owned and occupied by an individual who bought it in November 2014.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18511 S RIVER RD, THREE RIVERS, MI 49093-9327 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2014 · Amount on File |
| Deed Sale | Nov 18, 2014 · Amount on File |
| Prior Sale | May 10, 2010 · Amount on File |
| Deed Book / Page | 1765 / 835 |
| Prior Transfer Date | Jul 17, 1992 |
| Prior Transfer Doc | 0651000850 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 18511 S RIVER RD, THREE RIVERS, MI 49093-9327 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1979/0825 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 1979/0825 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 18511 S River Rd was $1,538 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 | $95,000 Land $7,200 Building $87,800 | $190,000 Land $14,400 Building $175,600 | |
| 2025 | $1,538.00 Homeowner's exemption |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18511 S River Rd 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 risk around 18511 S River Rd 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THREE RIVERS serves 7,905 people · EPA ID MI0006610 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 37 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 Fiber.
5G (outdoors only) and 4G LTE
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