St. Joseph County property record for 320 6th Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,536 sqft · built 1905 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Nov 2019) |
| Tax Bill | $2,683 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-405-006-00 |
| Primary APN | 051-405-006-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 130 ft deep x 65 ft wide |
| Garage Area | 768 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 320 6TH AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 6 BROOKLYN HEIGHTS ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | BROOKLYN HEIGHTS |
| Legal Lot Number | 6 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1019 |
| 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 | 320 6TH AVE, THREE RIVERS, MI 49093-1117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2024 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Sep 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on Record |
| Deed Sale | Nov 4, 2019 · Amount on Record |
| Prior Sale | Mar 12, 1999 · Amount on Record |
| Deed Book / Page | 1981 / 731 |
| Prior Transfer Date | Mar 29, 1993 |
| Prior Transfer Doc | 1135000741 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 320 6TH AVE, THREE RIVERS, MI 49093-1117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|---|
| Address | 320 6TH AVE, THREE RIVERS, MI 49093-1117 |
| Document Number | 2024001000 |
|---|---|
| Date | Feb 15, 2024 |
| Instrument | 2024001000 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63120 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 320 6TH AVE, THREE RIVERS, MI 49093-1117 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 320 6TH AVE, THREE RIVERS, MI 49093-1117 |
| Document Number | 2021009283 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021009283 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 4, 2019 |
| Property Address | 320 6TH AVE, THREE RIVERS, MI 49093-1117 |
| Document Number | 01981/0731 |
| Book / Page | 1981 / 0731 |
| Map Reference | LB 1 PG 40 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15985 PRAIRIE RONDE RD, 15985, SCHOOLCRAFT, MI 49087-9791 |
| Name | Verified Name |
|---|---|
| Address | 7830 S 8TH ST # 3, 3, KALAMAZOO, MI 49009-9763 |
| Document Number | 0001981733 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 1981/733 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
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 | $88,800 (+6.47%) Land $4,000 Building $84,800 | $177,600 (+6.47%) Land $8,000 Building $169,600 | |
| 2025 | $2,683.00 (+13.35%) Homeowner's exemption | $83,400 (+28.9%) Land $4,000 Building $79,400 | $166,800 (+28.9%) Land $8,000 Building $158,800 |
| 2023 | $64,700 Land $2,400 Building $62,300 | $129,400 Land $4,800 Building $124,600 | |
| 2022 | $2,367.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 |
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