St. Joseph County property record for 238 4th Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,590 sqft · built 1866 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $144,900 (Jul 2026) |
| Tax Bill | $2,509 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-091-00 |
| Primary APN | 051-445-091-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 1,032 sqft |
| Unfinished Basement | 1,020 sqft |
| Year Built | Built 1866 |
|---|---|
| Effective Year Built | Effective 1866 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 238 4TH AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 22 BLK 60 PORTAGE ADD. CITY OF THREERIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 60 |
| Legal Lot Number | 22 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 40400 |
Source: St. Joseph County records, as of September 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 | 402 GATEWAY CT, D, STURGIS, MI 49091-2023 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Sep 1, 2021 | Quit Claim Deed, Transfer · Line of Credit SOUTHERN MICHIGAN BANK & TRUST |
| Jan 30, 2017 | Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2026 · Amount on Record |
| Deed Sale | Jul 23, 2026 · Amount on Record |
| Prior Sale | Jan 30, 2017 · Amount on Record |
| Deed Document Number | 20265977 |
| Prior Transfer Date | Aug 20, 2021 |
| Prior Transfer Doc | 2021008839 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 23, 2026 |
| Property Address | 238 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Number | 0000005977 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20265977 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $109,761.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000005978, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 20265978 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 1, 2021 |
| Property Address | 238 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Number | 2021008839 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021008839 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19910 RIVER SHORE DR, 19910, THREE RIVERS, MI 49093-8393 |
| Name | Verified Name |
|---|---|
| Address | 19910 RIVER SHORE DR, THREE RIVERS, MI 49093-8393 |
| Date | Sep 1, 2021 |
|---|
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 30, 2017 |
| Property Address | 238 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Number | 1856/0842 |
| Book / Page | 1856 / 0842 |
| Map Reference | LB28 PG425 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OFF |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $387.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18715 6TH AVENUE RD, 18715, THREE RIVERS, MI 49093-8325 |
| Name | Verified Name |
|---|---|
| Address | 1011 EAST ST, THREE RIVERS, MI 49093-2317 |
| Document Number | 18560844 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 1856/0844 |
| Name | CENTURY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 1, 2027 |
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 | $66,400 (+8.5%) Land $4,100 Building $62,300 | $132,800 (+8.5%) Land $8,200 Building $124,600 | |
| 2025 | $2,509.00 (+13.43%) | $61,200 (+28.03%) Land $4,100 Building $57,100 | $122,400 (+28.03%) Land $8,200 Building $114,200 |
| 2023 | $47,800 Land $2,500 Building $45,300 | $95,600 Land $5,000 Building $90,600 | |
| 2022 | $2,212.00 |
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.
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 |
| Flood Insurance Cost | Premium on Record 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.
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.
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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