322 10th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 322 10th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,500 (Aug 2024)
Tax Bill	$1,990 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-455-021-00`

Property Details

APN / Parcel Number

Primary APN	`051-455-021-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,048 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	1,048 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	132 ft deep x 63.4 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	322 10TH AVE
City	THREE RIVERS
State	MI
Zip	49093-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 4 BLK 2 ROSELAWN ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	2
Legal Lot Number	4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1012
Census Tract	40400

Owner

Source: St. Joseph County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	322 10TH AVE, THREE RIVERS, MI 49093-1038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 21, 2017	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on Record
Deed Sale	Aug 1, 2024 · Amount on Record
Prior Sale	Sep 22, 2022 · Amount on Record
Prior Transfer Date	Jul 1, 2016
Prior Transfer Doc	1831/0539
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 22, 2022
Property Address	322 10TH AVE, THREE RIVERS, MI 49093-1038
Document Number	2022008321
Map Reference	LB 3 PG 21
Instrument Date	Sep 2, 2022
Instrument	2022008321
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	422 CONNELL RD # RDE5, 422, VALDOSTA, GA 31602-1493

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 15 3 5122 AVE, VICKSBURG, MI 49097

Mortgage

Date	Sep 22, 2022

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 21, 2017
Property Address	322 10TH AVE, THREE RIVERS, MI 49093-1038
Document Number	1862/0497
Book / Page	1862 / 0497
Map Reference	MB3 PG21
Instrument Date	Mar 13, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	TITLEPRO AGENCY LLC, TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$679.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1735 GROVENBERG CT, 1735, VICKSBURG, MI 49097-7776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 10TH AVE, THREE RIVERS, MI 49093-1038

Mortgage

Document Number	18620500
Date	Mar 21, 2017
Instrument	1862/0500

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,100 (+9.76%)	$146,200 (+9.76%)
2025	$1,990.00 (+17.47%) Homeowner's exemption	$66,600 (+28.82%) Land $3,900 Building $62,700	$133,200 (+28.82%) Land $7,800 Building $125,400
2023		$51,700 Land $2,400 Building $49,300	$103,400 Land $4,800 Building $98,600
2022	$1,694.00

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.

Flood

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
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.

Wildfire

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.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 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

May also be available: T-Mobile.

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