St. Joseph County property record for 304 5th Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Dec 2021) |
| Tax Bill | $1,552 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-110-00 |
| Primary APN | 051-445-110-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Basement Area | 684 sqft |
| Unfinished Basement | 644 sqft |
| 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 | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 304 5TH AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 15 BLK 62 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 62 |
| Legal Lot Number | 15 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 40400 |
Source: St. Joseph County records, as of July 20, 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 File |
|---|---|
| Mailing Address | 304 5TH AVE, THREE RIVERS, MI 49093-1113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Warranty Deed, Transfer · FHA Mortgage MEMBER FIRST MORTGAGE LLC |
| Sep 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2021 · Amount on File |
| Deed Sale | Dec 27, 2021 · Amount on File |
| Prior Sale | Sep 29, 2020 · Amount on File |
| Deed Document Number | 202113005 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Dec 27, 2021 |
| Property Address | 304 5TH AVE, THREE RIVERS, MI 49093-1113 |
| Document Number | 2021013005 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 2021013005 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 5TH AVE, THREE RIVERS, MI 49093-1113 |
| Name | Verified Name |
|---|---|
| Address | 304 5TH AVE, THREE RIVERS, MI 49093-1113 |
| Date | Dec 27, 2021 |
|---|
| Name | MEMBER FIRST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 29, 2020 |
| Property Address | 304 5TH AVE, THREE RIVERS, MI 49093-1113 |
| Document Number | 2020006029 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 2020006029 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $712.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 61548 S MAIN, JONES, MI 49061-9798 |
| Name | Verified Name |
|---|---|
| Address | 408 11TH AVE, THREE RIVERS, MI 49093-1042 |
| Date | Sep 29, 2020 |
|---|
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $73,100 (+40.58%) | $146,200 (+40.58%) | |
| 2025 | $1,552.00 (-25.31%) Homeowner's exemption | ||
| 2023 | $52,000 Land $2,500 Building $49,500 | $104,000 Land $5,000 Building $99,000 | |
| 2022 | $2,078.00 |
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 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures