St. Joseph County property record for 196 E Michigan Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,709 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $293,000 (May 2025) |
| Tax Bill | $2,259 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-019-00 |
| Primary APN | 051-445-019-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,709 sqft Living Area |
| 1st Floor Area | 1,618 sqft |
| Basement Area | 1,091 sqft |
| Unfinished Basement | 1,091 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 154 ft deep x 70 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 196 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 | LOT 20 & S 22 FT OF LOT 1 BLK 57 PORTAGE ADD CITY OF THREE RIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 57 |
| Legal Lot Number | 1,20 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 40400 |
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 | 196 E MICHIGAN AVE, THREE RIVERS, MI 49093-1524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2025 · Amount on Record |
| Deed Sale | May 12, 2025 · Amount on Record |
| Prior Sale | Nov 1, 2010 · Amount on Record |
| Deed Document Number | 20253782 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 196 E MICHIGAN AVE, THREE RIVERS, MI 49093-1524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 196 E MICHIGAN AVE, THREE RIVERS, MI 49093-1524 |
| Document Number | 2023007503 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 2023007503 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Nov 1, 2024 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $134,000 (+38.86%) Land $4,700 Building $129,300 | $268,000 (+38.86%) Land $9,400 Building $258,600 | |
| 2025 | $2,259.00 (+13.35%) Homeowner's exemption | ||
| 2023 | $96,500 Land $2,600 Building $93,900 | $193,000 Land $5,200 Building $187,800 | |
| 2022 | $1,993.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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 260 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 |
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