St. Joseph County property record for 315 E Michigan Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,104 sqft · built 2024 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Oct 2025) |
| Tax Bill | $2,172 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-192-00 |
| Primary APN | 051-445-192-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,104 sqft Building Perimeter |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Ranch |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 364 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 315 E MICHIGAN AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 36 BLK 65 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 65 |
| Legal Lot Number | 36 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 40400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 409 THOMAS ST, 7, THREE RIVERS, MI 49093-2721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2025 · Amount on Record |
| Deed Sale | Oct 6, 2025 · Amount on Record |
| Prior Sale | Jul 17, 2001 |
| Deed Document Number | 20257885 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 6, 2025 |
| Property Address | 315 E MICHIGAN AVE, THREE RIVERS, MI 49093-1124 |
| Document Number | 2025007885 |
| Instrument Date | Oct 3, 2025 |
| Instrument | 2025007885 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 240 W MAIN ST, CENTREVILLE, MI 49032-9534 |
| Name | Verified Name |
|---|---|
| Address | 409 THOMAS ST APT 7, 7, THREE RIVERS, MI 49093-2721 |
| Document Number | 2025007886 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 2025007886 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $93,000 (+171.93%) Land $4,100 Building $88,900 | $186,000 (+171.93%) Land $8,200 Building $177,800 | |
| 2025 | $2,172.00 Homeowner's exemption | $34,200 Land $4,100 Building $30,100 | $68,400 Land $8,200 Building $60,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1989–2018) |
| Most Recent Claim | Feb 2018 · 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.
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.
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 |
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