18850 M 86, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 18850 M 86, Three Rivers, MI 49093

Property Summary

Property Type	General Agricultural/Rural
Details	2.5 ba · 2,304 sqft · built 2003
Lot Size	68.7 acres (2,992,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2016)
Tax Bill	$5,290 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009-021-011-00`

Property Details

APN / Parcel Number

Primary APN	`009-021-011-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,304 sqft Building Perimeter
1st Floor Area	2,304 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Lot Area	2,992,572 sqft (68.7 acres)

Location & Zoning

Street Address	18850 M 86
City	THREE RIVERS
State	MI
Zip	49093-8330
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	E 1/2 E 1/2 SEC 21 T6S R11W LYG S OF RR R/W. EXC E 300 FT OF S 1161.60 FT. ALSO EXC PLAT OF PINECREST. ALSO EXC COM NW COR LO
Legal Range	11W
Legal Township	06S
Legal Section	21
Legal Subdivision	PINECREST
Legal Lot Number	7
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	2
Census Block	2001
Census Tract	41200

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	2 Individual Names on Record
Mailing Address	18850 M 86, THREE RIVERS, MI 49093-8330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Reverse Mortgage INTERRA CREDIT UNION
Aug 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2016 · Amount on Record
Deed Sale	Sep 21, 2016 · Amount on Record
Prior Sale	May 31, 2012 · Amount on Record
Deed Book / Page	1840 / 400
Last Transfer Date	Dec 17, 2024
Transfer Doc	2024008877
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Recording Date	May 7, 2026
Property Address	18850 M 86, THREE RIVERS, MI 49093-8330
Document Number	0000003906
Instrument Date	May 5, 2026
Instrument	20263906
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18850 M 86, THREE RIVERS, MI 49093-8330

Mortgage

Document Number	0000003906,
Date	May 7, 2026
Instrument	20263906

Lender

Name	INTERRA CREDIT UNION

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Feb 5, 2027

Interest

Rate	6.37%
Max Rate	-1%

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 14, 2020
Property Address	18850 M 86, THREE RIVERS, MI 49093-8330
Document Number	2020004586
Instrument Date	Aug 10, 2020
Instrument	2020004586
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18850 M 86, THREE RIVERS, MI 49093-8330

Mortgage

Date	Aug 14, 2020

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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		$250,900 (+8.9%) Land $169,700 Building $81,200	$501,800 (+8.9%) Land $339,400 Building $162,400
2025	$5,290.00 Homeowner's exemption	$230,400 Land $209,900 Building $20,500	$460,800 Land $419,800 Building $41,000

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
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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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