321 Millard St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 321 Millard St, Three Rivers, MI 49093

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,196 sqft · built 1981
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Nov 2023)
Tax Bill	$1,377 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-345-056-00`

Property Details

APN / Parcel Number

Primary APN	`051-345-056-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Modular
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	321 MILLARD ST
City	THREE RIVERS
State	MI
Zip	49093-2177
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R
Legal Description	LOT 1 BLK 41. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	41
Legal Lot Number	1
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1031
Census Tract	40300

Owner

Source: St. Joseph County records · APN 051-345-056-00

Assessment roll updated August 11, 2025 · Last verified July 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 File
Mailing Address	321 MILLARD ST, THREE RIVERS, MI 49093-2177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Aug 11, 2000 · Amount on Record
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 28, 2023
Property Address	321 MILLARD ST, THREE RIVERS, MI 49093-2177
Document Number	2023008427
Map Reference	LB F PG 28
Instrument Date	Nov 17, 2023
Instrument	2023008427
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1727 KERSHNER LN, ELKHART, IN 46514-6547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52368 PINE TREE LN, THREE RIVERS, MI 49093-9759

Mortgage

Document Number	2023008428
Date	Nov 28, 2023
Instrument	2023008428

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2030
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	11.7%
Max Rate	11.7%

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,500 (+33.78%)	$99,000 (+33.78%)
2025	$1,377.00 (-16.55%) Homeowner's exemption
2023		$37,000 Land $2,600 Building $34,400	$74,000 Land $5,200 Building $68,800
2022	$1,650.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2010 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Surf Air Wireless Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Broadband Fixed Wireless	150 / 20

May also be available: Spectrum.

Based on FCC filings for 268 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	THREE RIVERS serves 7,905 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.