314 Garden St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 314 Garden St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,104 sqft · built 1940
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$74,160 (Jul 2020)
Tax Bill	$2,641 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-445-020-00`

Property Details

APN / Parcel Number

Primary APN	`051-445-020-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,104 sqft Living Area
1st Floor Area	1,212 sqft
Basement Area	1,212 sqft
Unfinished Basement	1,156 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	74 ft deep x 111 ft wide
Garage Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	314 GARDEN ST
City	THREE RIVERS
State	MI
Zip	49093-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	COM SW COR LOT 1 BLK 57 PORTAGE ADD TH N 107.7 FT TH N 35D E 3 FT TO POB TH S 35D W 3 FT TH S ALG W LN GARDEN ST 85.7 FT TH W
Legal Subdivision	PORTAGE ADD
Legal Block	57
Legal Lot Number	1-2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1025
Census Tract	40400

Owner

314 Garden St is owned and occupied by an individual who bought it in July 2020.

Source: St. Joseph County records, as of July 24, 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	314 GARDEN ST, THREE RIVERS, MI 49093-1518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
Mar 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Jul 17, 2020	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	Oct 28, 2008 · Amount on File
Deed Document Number	20203388
Prior Transfer Date	Nov 29, 1999
Prior Transfer Doc	0917000811
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	314 GARDEN ST, THREE RIVERS, MI 49093-1518
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021002368
Date	Mar 11, 2021
Instrument	2021002368

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	314 GARDEN ST, THREE RIVERS, MI 49093-1518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1863/0421
Date	Mar 27, 2017
Book Page	1863/0421

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 17, 2020
Property Address	314 GARDEN ST, THREE RIVERS, MI 49093-1518
Document Number	2020003388
Instrument Date	Jul 10, 2020
Instrument	2020003388
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 GARDEN ST, 314, THREE RIVERS, MI 49093-1518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 2ND AVE # B3, B3, THREE RIVERS, MI 49093-1640

Mortgage

Date	Jul 17, 2020

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 314 Garden St was $2,641 with a homeowner's exemption.

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		$78,800 Land $5,200 Building $73,600	$157,600 Land $10,400 Building $147,200
2025	$2,641.00 Homeowner's exemption
2023		$57,100 Land $4,200 Building $52,900	$114,200 Land $8,400 Building $105,800
2022	$2,329.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 314 Garden St in Zone X, an area of minimal flood risk, within 100 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 100 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

Wildfire risk around 314 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 98% of the US · lower than 95% 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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