St. Joseph County property record for 203 Middle St, Three Rivers, MI 49093 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1900 |
| Square Footage | 930 sqft Living Area |
| Lot Size | 11,326 sqft (0.26 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $145,000 (2022) |
| Tax Bill | $1,949.00 (2025) |
| Primary APN | 051-410-012-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 930 sqft Living Area |
| 1st Floor | 636 sqft 1st Floor |
| Basement Area | 588 sqft Basement |
| Unfinished Basement | 588 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Depth X Width | 222 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 528 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 203 MIDDLE ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1647 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOTS 14 & 25 CENTRAL ADD. CITY OF THREE RIVERS |
| Legal Subdivision | CENTRAL ADD |
| Legal Lot Number | 14,25 |
| Jurisdiction | ST JOSEPH MI |
| Minor Civil Division | THREE RIVERS |
| Census Blockgroup | 2 |
| Census Block | 2029 |
| Census Tract | 40400 |
Source: St. Joseph County records · APN 051-410-012-00
Assessment roll updated July 24, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 02, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage GVC MORTGAGE INC |
| Feb 10, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 30, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2022 · Amount on Record |
| Deed Sale | Nov 02, 2022 · Amount on Record |
| Prior Sale | Oct 30, 2019 · Amount on Record |
| Deed Doc Number | 20229418 |
| Prior Transfer Date | Feb 25, 2010 |
| Prior Transfer Doc | 1565/0725 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 02, 2022 |
| Property Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Document Number | 2022009418 |
| Map Reference | LB 1 PG 30 |
| Instrument Date | Nov 01, 2022 |
| Instrument | 2022009418 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Title Company | OAK TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 203 MIDDLE ST, 203, THREE RIVERS, MI 49093-1647 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 367 S MAIN ST, CLIMAX, MI 49034-9773 |
| Investor | Possibly a Property Investor |
| Date | Nov 02, 2022 |
|---|
| Name | GVC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Document Number | 2022001287 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 2022001287 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 30, 2019 |
| Property Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Document Number | 01981/0207 |
| Book / Page | 1981 / 0207 |
| Map Reference | LB 1 PG 30 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $657.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 328, ALLENDALE, MI 49401-0328 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Document Number | 0001981209 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 1981/209 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 13, 2017 |
| Property Address | 203 MIDDLE ST, THREE RIVERS, MI 49093-1647 |
| Document Number | 1861/0788 |
| Book / Page | 1861 / 0788 |
| Map Reference | LB1 PG30 |
| Instrument Date | Mar 09, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $516.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 69654 FRANKLIN RD, 69654, STURGIS, MI 49091-9523 |
| Name | Verified Name |
|---|---|
| Address | 14555 LEMONTREE LN, WEST OLIVE, MI 49460-9410 |
| Document Number | 18610789 |
|---|---|
| Date | Mar 13, 2017 |
| Instrument | 1861/0789 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $55,900 (+40.81%) Land $4,000 Building $51,900 | $111,800 (+40.81%) Land $8,000 Building $103,800 | |
| 2025 | $1,949.00 (+35.07%) Homeowner's exemption | ||
| 2023 | $39,700 Land $1,900 Building $37,800 | $79,400 Land $3,800 Building $75,600 | |
| 2022 | $1,443.00 |
Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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