188 E Michigan Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 188 E Michigan Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,117 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$144,900 (Aug 2023)
Tax Bill	$2,503 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-445-017-00`

Property Details

APN / Parcel Number

Primary APN	`051-445-017-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,117 sqft Living Area
1st Floor Area	1,304 sqft
Basement Area	1,232 sqft
Unfinished Basement	920 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	132 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	188 E MICHIGAN AVE
City	THREE RIVERS
State	MI
Zip	49093-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	E 49 FT OF LOT 18 & W 11 FT OF LOT 19 BLK 57 PORTAGE ADD. CITY OF THREE RIVERS.
Legal Subdivision	PORTAGE ADD
Legal Block	57
Legal Lot Number	18-19
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1025
Census Tract	40400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	188 E MICHIGAN AVE, THREE RIVERS, MI 49093-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on Record
Deed Sale	Aug 7, 2023 · Amount on Record
Prior Sale	Apr 30, 2012 · Amount on Record
Deed Document Number	20235662
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 7, 2023
Property Address	188 E MICHIGAN AVE, THREE RIVERS, MI 49093-1524
Document Number	2023005662
Map Reference	LB 28 PG 425
Instrument Date	Aug 4, 2023
Instrument	2023005662
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	NOT AVAILABLE, ELEVATE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20131 M 60, THREE RIVERS, MI 49093-9042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16878 FAIRCHILD RD, THREE RIVERS, MI 49093-9307
Investor	Possibly a Property Investor

Mortgage

Document Number	2023005663
Date	Aug 7, 2023
Instrument	2023005663

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,100 (+37.44%) Land $3,700 Building $55,400	$118,200 (+37.44%) Land $7,400 Building $110,800
2025	$2,503.00 (+73.94%) Homeowner's exemption
2023		$43,000 Land $2,300 Building $40,700	$86,000 Land $4,600 Building $81,400
2022	$1,439.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Cost	Premium on Record median of 11 individual policies
Nearby Flood Policies	44 units insured incl. 33 condo units
Nearby Flood Claims	20 (1981–2020)
Most Recent Claim	May 2020 · rainfall accumulation

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 98% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Spectrum.

Nearby Properties on E Michigan Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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