215 4th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 215 4th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,940 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jun 2021)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-445-057-00`

Property Details

APN / Parcel Number

Primary APN	`051-445-057-00`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,940 sqft Living Area
1st Floor Area	1,272 sqft
Basement Area	732 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	215 4TH AVE
City	THREE RIVERS
State	MI
Zip	49093-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 10 BLK 59 PORTAGE ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	59
Legal Lot Number	10
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1028
Census Tract	40400

Owner

215 4th Ave is owned and occupied by an individual who bought it in June 2021.

Source: St. Joseph County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	215 4TH AVE, THREE RIVERS, MI 49093-1508
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	Name on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Prior Sale	Oct 1, 2015 · Amount on File
Deed Document Number	20216209
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 14, 2021
Property Address	215 4TH AVE, THREE RIVERS, MI 49093-1508
Document Number	2021006209
Map Reference	LB 28 PG 425
Instrument Date	May 18, 2021
Instrument	2021006209
Transaction Type	Transfer
Record Updated	Jul 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 4TH AVE, 215, THREE RIVERS, MI 49093-1508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56069 WILBUR RD, THREE RIVERS, MI 49093-8818

Mortgage

Date	Jun 14, 2021

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 215 4th Ave was $2,031 with a homeowner's exemption.

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		$91,400	$182,800
2025	$2,031.00 Homeowner's exemption
2023		$66,600 Land $2,500 Building $64,100	$133,200 Land $5,000 Building $128,200
2022	$2,719.00

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.

Flood

FEMA maps place 215 4th Ave 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
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 215 4th Ave is low, with less than a 0.01% annual chance of wildfire.

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.

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 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