St. Joseph County property record for 240 4th Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $152,000 (Nov 2025) |
| Tax Bill | $1,079 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Dec 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-092-00 |
| Primary APN | 051-445-092-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 688 sqft |
| Basement Area | 568 sqft |
| Unfinished Basement | 616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 240 4TH AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 23 BLK 60 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 60 |
| Legal Lot Number | 23 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 40400 |
Source: St. Joseph County records · APN 051-445-092-00
Assessment roll updated August 11, 2025 · Last verified July 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 | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 25, 2025 | Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN MICHIGAN BANK & TRUST |
| Dec 08, 2025 | Intrafamily Transfer, Transfer TITLE RESOURCE AGENCY |
| Nov 24, 2025 | Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Nov 09, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Prior Sale | Apr 23, 2025 · Amount on Record |
| Deed Document Number | 20259235 |
| Last Transfer Date | Dec 03, 2025 |
| Transfer Doc | 2025009601 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 61618 BAYSHORE DR, STURGIS, MI 49091-9681 |
| Document Number | 2025006555 |
|---|---|
| Date | Aug 25, 2025 |
| Instrument | 2025006555 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | CENTREVILLE, MI 49032 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Dec 08, 2025 |
| Property Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Number | 2025009601 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Dec 03, 2025 |
| Instrument | 2025009601 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| Title Company | TITLE RESOURCE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Name | Verified Name |
|---|---|
| Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 24, 2025 |
| Property Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Number | 2025009235 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025009235 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 61618 BAYSHORE DR, STURGIS, MI 49091-9681 |
| Name | Verified Name |
|---|---|
| Address | 61374 M 40, JONES, MI 49061-9705 |
| Document Number | 2025009236 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025009236 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Number | 2025009237 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025009237 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22031 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 09, 2022 |
| Property Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
| Document Number | 2022009599 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Nov 08, 2022 |
| Instrument | 2022009599 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 240 4TH AVE, THREE RIVERS, MI 49093-1509 |
Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 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 | $72,900 (+23.14%) | $145,800 (+23.14%) | |
| 2025 | $1,079.00 (-11.56%) Homeowner's exemption | $59,200 (+33.94%) Land $4,100 Building $55,100 | $118,400 (+33.94%) Land $8,200 Building $110,200 |
| 2024 | $1,220.00 (+10.21%) | ||
| 2023 | $44,200 Land $2,500 Building $41,700 | $88,400 Land $5,000 Building $83,400 | |
| 2022 | $1,107.00 |
Source: FEMA National Flood Hazard Layer as of June 4, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Air Wireless Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
Based on FCC filings for 260 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | THREE RIVERS serves 7,905 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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