St. Joseph County property record for 228 2nd Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,190 sqft · built 1900 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Feb 2019) |
| Tax Bill | $1,792 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-044-00 |
| Primary APN | 051-445-044-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,190 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 228 2ND AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | W 50 FT OF S 175 FT OF LOT 20 BLK 58 PORTAGE ADD CITY OF THREE RIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 58 |
| Legal Lot Number | 20 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 40400 |
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2017 | Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO |
| Apr 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 8, 2022 | Intrafamily Transfer, Transfer |
| Feb 26, 2019 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2019 · Amount on Record |
| Deed Sale | Feb 26, 2019 · Amount on Record |
| Prior Sale | Feb 13, 1996 |
| Deed Book / Page | 1949 / 582 |
| Last Transfer Date | Mar 4, 2022 |
| Transfer Doc | 2022002073 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01885/0426 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 1885/0426 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021004458 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021004458 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Document Number | 2022003712 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 2022003712 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 8, 2022 |
| Property Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Document Number | 2022002073 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 2022002073 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 26, 2019 |
| Property Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Document Number | 01949/0582 |
| Book / Page | 1949 / 0582 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 SECON AVE, 228, THREE RIVERS, MI 49093 |
| Name | Verified Name |
|---|---|
| Address | 228 2ND AVE, THREE RIVERS, MI 49093-1640 |
| Document Number | 0001949584 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 1949/584 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,100 (+7.38%) Land $3,300 Building $57,800 | $122,200 (+7.38%) Land $6,600 Building $115,600 | |
| 2025 | $1,792.00 (+13.35%) Homeowner's exemption | $56,900 (+29.02%) Land $3,300 Building $53,600 | $113,800 (+29.02%) Land $6,600 Building $107,200 |
| 2023 | $44,100 Land $1,900 Building $42,200 | $88,200 Land $3,800 Building $84,400 | |
| 2022 | $1,581.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1989–2018) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% 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.
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 |
| 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.
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 |
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