St. Joseph County property record for 318 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,722 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,000 (Nov 2017) |
| Tax Bill | $3,048 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-051-00 |
| Primary APN | 051-145-051-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,722 sqft Living Area |
| 1st Floor Area | 1,507 sqft |
| Basement Area | 1,075 sqft |
| Unfinished Basement | 898 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 318 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 8 BLK 6. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 40100 |
318 West St is owned and occupied by an individual who bought it in November 2017.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 318 WEST ST, THREE RIVERS, MI 49093-2222 |
| 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 |
|---|---|
| Nov 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 1, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2017 · Amount on File |
| Deed Sale | Nov 1, 2017 · Amount on File |
| Deed Book / Page | 1891 / 753 |
| Prior Transfer Date | Mar 14, 2014 |
| Prior Transfer Doc | 1743/0538 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 318 WEST ST, THREE RIVERS, MI 49093-2222 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 318 WEST ST, THREE RIVERS, MI 49093-2222 |
| Document Number | 2022009624 |
|---|---|
| Date | Nov 10, 2022 |
| Instrument | 2022009624 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 1, 2017 |
| Property Address | 318 WEST ST, THREE RIVERS, MI 49093-2222 |
| Document Number | 1891/0753 |
| Book / Page | 1891 / 0753 |
| Map Reference | LB F PG28 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,049.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 318 WEST ST, 318, SHELDON, MI |
| Name | Verified Name |
|---|---|
| Address | 803 4TH ST, THREE RIVERS, MI 49093-1801 |
| Document Number | 18910755 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 1891/0755 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 318 West St was $3,048 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 | $108,700 (+8.27%) Land $4,200 Building $104,500 | $217,400 (+8.27%) Land $8,400 Building $209,000 | |
| 2025 | $3,048.00 Homeowner's exemption | $100,400 Land $4,200 Building $96,200 | $200,800 Land $8,400 Building $192,400 |
| 2023 | $78,400 Land $3,000 Building $75,400 | $156,800 Land $6,000 Building $150,800 | |
| 2022 | $2,688.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 West 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 |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Sep 2008 · 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 risk around 318 West St is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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