19690 S River Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 19690 S River Rd, Three Rivers, MI 49093

Property Summary

Property Type	General Agricultural/Rural
Details	2.5 ba · 2,240 sqft · built 2008
Lot Size	86.8 acres (3,781,879 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,586 (2025)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`009-015-003-20`

Property Details

APN / Parcel Number

Primary APN	`009-015-003-20`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,240 sqft Building Perimeter
1st Floor Area	2,240 sqft
Basement Area	2,240 sqft
Unfinished Basement	2,240 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	3,781,879 sqft (86.8 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	19690 S RIVER RD
City	THREE RIVERS
State	MI
Zip	49093-9330
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	W 1/2 SE 1/4 SEC 15 T6S R11W. ALSO SW FRL 1/4 NE FRL 1/4. EXC COM S 1/4 COR TH E 362 FT TH N 450 FT TH E 775 FT TH S 450 FT T
Legal Range	11W
Legal Township	06S
Legal Section	15
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	1
Census Block	1018
Census Tract	41200

Owner

19690 S River Rd, an agricultural property, is owned and occupied by two individuals who acquired it in December 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	19690 S RIVER RD, THREE RIVERS, MI 49093-9330
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2003
Deed Sale	Oct 28, 2003
Deed Book / Page	1199 / 756
Last Transfer Date	Dec 17, 2013
Transfer Doc	1734/0369
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	19690 S RIVER RD, THREE RIVERS, MI 49093-9330
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19690 S RIVER RD, THREE RIVERS, MI 49093-9330

Mortgage

Document Number	2022004979
Date	May 25, 2022
Instrument	2022004979

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 19690 S River Rd was $9,586 with a homeowner's exemption.

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		$604,100 (+7.55%) Land $295,900 Building $308,200	$1,208,200 (+7.55%) Land $591,800 Building $616,400
2025	$9,586.00 Homeowner's exemption	$561,700 Land $265,200 Building $296,500	$1,123,400 Land $530,400 Building $593,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 19690 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 · 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
Nearby Flood Claims	1 (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

The area around 19690 S River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	25 / 3