306 N Main St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 306 N Main St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,629 sqft · built 1905
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Sep 2025)
Tax Bill	$3,044 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-145-068-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-068-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,629 sqft Living Area
1st Floor Area	1,364 sqft
Basement Area	1,364 sqft
Unfinished Basement	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Garage Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	306 N MAIN ST
City	THREE RIVERS
State	MI
Zip	49093-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	N 50 FT OF LOT 11 BLK 7. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	7
Legal Lot Number	11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3031
Census Tract	40100

Owner

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	2 Individual Names on Record
Mailing Address	74 GOODALE AVE W, BATTLE CREEK, MI 49037-2476
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Dec 28, 1999 · Amount on Record
Deed Document Number	20256974
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 8, 2025
Property Address	306 N MAIN ST, THREE RIVERS, MI 49093-1423
Document Number	2025006974
Map Reference	LB F PG 28
Instrument Date	Sep 5, 2025
Instrument	2025006974
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	UNKNOWN, ELEVATE TITLE AGCY OF MI LLC

Transaction

Amount	Amount Recorded
Tax	$1,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 NMAIN, THREE RIVERS, MI 49093

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 GOODALE AVE W, BATTLE CREEK, MI 49037-2476

Mortgage

Document Number	2025007300
Date	Sep 8, 2025
Instrument	2025007300

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	2025007300
Date	Sep 17, 2025
Instrument	2025007300

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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		$134,900 (+8.88%) Land $3,500 Building $131,400	$269,800 (+8.88%) Land $7,000 Building $262,800
2025	$3,044.00 (+2.87%) Homeowner's exemption	$123,900 (+28.66%) Land $3,500 Building $120,400	$247,800 (+28.66%) Land $7,000 Building $240,800
2024	$2,959.00 (+10.2%)
2023		$96,300 Land $2,300 Building $94,000	$192,600 Land $4,600 Building $188,000
2022	$2,685.00

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.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1982–2020)
Most Recent Claim	May 2020 · 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.

Drinking Water

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

Violations Reported to EPA

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.

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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