226 West St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 226 West St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	6 bd · 1 ba · 2,432 sqft · built 1900
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$83,000 (Apr 2018)
Tax Bill	$2,426 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-145-045-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-045-00`

Interior

Bedrooms	6 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,432 sqft Living Area
1st Floor Area	1,548 sqft
Basement Area	1,548 sqft
Unfinished Basement	1,305 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	100 ft deep x 64 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 WEST ST
City	THREE RIVERS
State	MI
Zip	49093-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	N 64 FT OF LOT 3 EXC W 72 FT BLK 5 CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	5
Legal Lot Number	3
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1043
Census Tract	40100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	226 WEST ST, THREE RIVERS, MI 49093-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Apr 2, 2018	Warranty Deed, Transfer · FHA Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Prior Sale	Jan 26, 2005 · Amount on Record
Deed Book / Page	1908 / 908
Prior Transfer Date	Sep 23, 2003
Prior Transfer Doc	1186000115
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	226 WEST ST, THREE RIVERS, MI 49093-2220
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 WEST ST, THREE RIVERS, MI 49093-2220

Mortgage

Document Number	2021011281
Date	Nov 9, 2021
Instrument	2021011281

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	226 WEST ST, THREE RIVERS, MI 49093-2220
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021002707
Date	Mar 18, 2021
Instrument	2021002707

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 2, 2018
Property Address	226 WEST ST, THREE RIVERS, MI 49093-2220
Document Number	01908/0908
Book / Page	1908 / 0908
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
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	$713.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14670 HOFFMAN RD, 14670, THREE RIVERS, MI 49093-9703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 ADMIRAL AVE APT 4, 4, PORTAGE, MI 49002-3585

Mortgage

Document Number	0001908909
Date	Apr 2, 2018
Instrument	1908/909

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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

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		$86,300 (+38.3%) Land $3,600 Building $82,700	$172,600 (+38.3%) Land $7,200 Building $165,400
2025	$2,426.00 (+13.36%) Homeowner's exemption
2023		$62,400 Land $2,900 Building $59,500	$124,800 Land $5,800 Building $119,000
2022	$2,140.00

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 Claims	1 (2008)
Most Recent Claim	Sep 2008 · 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	Low lower than 94% of the US · lower than 87% 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.

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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