2 N Main St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 2 N Main St, Three Rivers, MI 49093

Property Summary

Property Type	Commercial
Details	3,048 sqft · built 1850
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on Record
Tax Bill	$888 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-199-002-00`

Property Details

APN / Parcel Number

Primary APN	`051-199-002-00`

Interior

Units	2 Units
Stories	2 Stories
Building Area	3,048 sqft Total Area

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	77.8 ft deep x 20.8 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2 N MAIN ST
City	THREE RIVERS
State	MI
Zip	49093-1532
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B-3
Legal Description	COM AT INT OF W LN N MAIN ST & N LN W MICHIGAN AVE TH SWLY ALG MICHIGAN AVE 77.75 FT TH NWLY PAR WITH MAIN ST 20.75 FT TH NEL
Legal Subdivision	CITY OF THREE RIVERS
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3036
Census Tract	40100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Three Rivers Commercial Historic District listed 1982 · 47 contributing resources · NRIS 82004472

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	53 1/2 N MAIN ST, THREE RIVERS, MI 49093-1531
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2001
Deed Sale	May 30, 2001
Prior Sale	Aug 5, 1999 · Amount on Record
Deed Book / Page	1009 / 77
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 15, 2026
Property Address	2 N MAIN ST, THREE RIVERS, MI 49093-1532
Document Number	0000005776
Instrument Date	Jul 14, 2026
Instrument	20265776
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	30991 CHURCH ST, LEONIDAS, MI 49066-9435

Mortgage

Document Number	0000005777,
Date	Jul 15, 2026
Instrument	20265777

Lender

Name	BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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		$67,500 (+3.53%)	$135,000 (+3.53%)
2025	$888.00 (-29.19%)
2023		$65,200 Land $3,300 Building $61,900	$130,400 Land $6,600 Building $123,800
2022	$1,254.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1982–2020)
Most Recent Claim	May 2020 · 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	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.

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.

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