St. Joseph County property record for 307 Garden St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 3,528 sqft · built 1900 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,487 (2025) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Apr 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-061-00 |
| Primary APN | 051-445-061-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,528 sqft Living Area |
| 1st Floor Area | 1,872 sqft |
| Basement Area | 1,872 sqft |
| Unfinished Basement | 1,738 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 165 ft deep x 118 ft wide |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 307 GARDEN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-1 |
| Legal Description | LOT 15 & S 52 FT OF LOT 14 BLK 59 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 59 |
| Legal Lot Number | 14,15 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 40400 |
307 Garden St is owned and occupied by an individual who acquired it in April 2024.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 GARDEN ST, THREE RIVERS, MI 49093-1517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage KELLOGG COMMUNITY CU |
| Apr 16, 2024 | Intrafamily Transfer, Transfer |
| Mar 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Deed Names | Name on Deed |
|---|---|
| Deed Book / Page | 620 / 832 |
| Last Transfer Date | Apr 9, 2024 |
| Transfer Doc | 2024002958 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 307 GARDEN ST, THREE RIVERS, MI 49093-1517 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Name | Verified Name |
|---|---|
| Address | 307 GARDEN ST, THREE RIVERS, MI 49093-1517 |
| Document Number | 2024002690 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 2024002690 |
| Name | KELLOGG COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49016 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 10, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 16, 2024 |
| Property Address | 307 GARDEN ST, THREE RIVERS, MI 49093-1517 |
| Document Number | 2024002958 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Apr 9, 2024 |
| Instrument | 2024002958 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10843 NORMANDY BLVD, JACKSONVILLE, FL 32221-1926 |
| Name | Verified Name |
|---|---|
| Address | 307 GARDEN ST, THREE RIVERS, MI 49093-1517 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 307 GARDEN ST, THREE RIVERS, MI 49093-1517 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1907/0816 |
|---|---|
| Date | Mar 21, 2018 |
| Book Page | 1907/0816 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 307 Garden St was $2,487 with a homeowner's exemption.
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 | $130,700 (+7.84%) Land $8,200 Building $122,500 | $261,400 (+7.84%) Land $16,400 Building $245,000 | |
| 2025 | $2,487.00 Homeowner's exemption | $121,200 Land $8,100 Building $113,100 | $242,400 Land $16,200 Building $226,200 |
| 2023 | $93,900 Land $4,400 Building $89,500 | $187,800 Land $8,800 Building $179,000 | |
| 2022 | $2,194.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 307 Garden St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 307 Garden St is low, with less than a 0.01% annual chance of wildfire.
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