18987 M 60, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 18987 M 60, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,670 sqft · built 1950
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Apr 2019)
Tax Bill	$580 (2025)
Deeds & Mortgages	May 2019 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009-210-031-00`

Property Details

APN / Parcel Number

Primary APN	`009-210-031-00`

Interior

Full Baths	1 Bath
Building Area	1,670 sqft Building Perimeter
1st Floor Area	990 sqft
Basement Area	990 sqft
Unfinished Basement	990 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	36,590 sqft (0.84 acres)
Lot Dimensions	179 ft deep x 205 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	18987 M 60
City	THREE RIVERS
State	MI
Zip	49093-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 SHADY ACRES SUB-DIV. SEC 16 T6S R11W.
Legal Range	11W
Legal Township	06S
Legal Section	16
Legal Subdivision	SHADY ACRES ACRES
Legal Lot Number	31
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	2
Census Block	2006
Census Tract	40400

Owner

Source: St. Joseph County records, as of July 20, 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	18987 M 60, THREE RIVERS, MI 49093-9349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2019	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO
Apr 23, 2019	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2019 · Amount on Record
Deed Sale	Apr 23, 2019 · Amount on Record
Prior Sale	Dec 17, 1993 · Amount on Record
Deed Book / Page	1956 / 108
Prior Transfer Date	Jan 28, 2009
Prior Transfer Doc	1516/0174
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	18987 M 60, THREE RIVERS, MI 49093-9349
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01958/0634
Date	May 10, 2019
Book Page	1958/0634

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 23, 2019
Property Address	18987 M 60, THREE RIVERS, MI 49093-9349
Document Number	01956/0108
Book / Page	1956 / 0108
Map Reference	LB 3 PG 97
Instrument Date	Apr 17, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2026 GERALD ST, 2026, BENTON HARBOR, MI 49022-6728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18987 M 60, THREE RIVERS, MI 49093-9349

Mortgage

Document Number	0001956111
Date	Apr 23, 2019
Instrument	1956/111

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

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		$74,600 (+5.82%)	$149,200 (+5.82%)
2025	$580.00 Homeowner's exemption	$70,500 Land $9,600 Building $60,900	$141,000 Land $19,200 Building $121,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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	None beyond 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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