St. Joseph County property record for 315 Middle St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,180 sqft · built 1900 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $47,000 (Aug 2017) |
| Tax Bill | $1,308 (2025) |
| Deeds & Mortgages | Mar 2021 Transfer Aug 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-034-00 |
| Primary APN | 051-445-034-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,180 sqft Living Area |
| 1st Floor Area | 748 sqft |
| Basement Area | 432 sqft |
| Unfinished Basement | 432 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 40 ft deep x 60 ft wide |
| Garage Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 315 MIDDLE ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1649 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B-1 |
| Legal Description | COM 110 FT S & 40 FT E OF NW COR LOT 6 BLK 58 PORTAGE ADDITION TH W 40 FT ACROSS LOT 6 & 20 FT ACROSS LOT 7 TO E LN MIDDLE ST |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 18 |
| Legal Subdivision | PORTAGE ADDITION |
| Legal Block | 58 |
| Legal Lot Number | 6-7,20 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 40400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 315 MIDDLE ST, THREE RIVERS, MI 49093-1649 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2021 | Intrafamily Transfer, Transfer |
| Aug 30, 2017 | Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC |
| Aug 30, 2017 | Intrafamily Transfer, Transfer PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OFF |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2017 · Amount on Record |
| Deed Sale | Aug 30, 2017 · Amount on Record |
| Prior Sale | Aug 30, 2017 · Amount on Record |
| Deed Book / Page | 1883 / 249 |
| Last Transfer Date | Mar 18, 2021 |
| Transfer Doc | 2021002946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 25, 2021 |
| Property Address | 315 MIDDLE ST, THREE RIVERS, MI 49093-1649 |
| Document Number | 2021002946 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Mar 18, 2021 |
| Instrument | 2021002946 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 315 MIDDLE ST, THREE RIVERS, MI 49093-1649 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 30, 2017 |
| Property Address | 315 MIDDLE ST, THREE RIVERS, MI 49093-1649 |
| Document Number | 1883/0249 |
| Book / Page | 1883 / 0249 |
| Map Reference | LB28 PG425 |
| Instrument Date | Aug 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $404.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 315 MILLE ST, 315, THREE RIVERS, MI 49093 |
| Name | Verified Name |
|---|---|
| Address | 56007 PARKVILLE RD, MENDON, MI 49072-9748 |
| Document Number | 18830250 |
|---|---|
| Date | Aug 30, 2017 |
| Instrument | 1883/0250 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2032 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 30, 2017 |
| Property Address | 315 MIDDLE ST, THREE RIVERS, MI 49093-1649 |
| Document Number | 1883/0248 |
| Book / Page | 1883 / 0248 |
| Map Reference | LB28 PG425 |
| Instrument Date | Aug 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OFF |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 54012 WILBUR RD, 54012, THREE RIVERS, MI 49093-8418 |
| Name | Verified Name |
|---|---|
| Address | 315 MILLE ST, THREE RIVERS, MI 49093 |
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 | $50,700 (+7.87%) Land $2,100 Building $48,600 | $101,400 (+7.87%) Land $4,200 Building $97,200 | |
| 2025 | $1,308.00 (+19.67%) Homeowner's exemption | $47,000 (+24.01%) Land $2,000 Building $45,000 | $94,000 (+24.01%) Land $4,000 Building $90,000 |
| 2023 | $37,900 Land $2,300 Building $35,600 | $75,800 Land $4,600 Building $71,200 | |
| 2022 | $1,093.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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