St. Joseph County property record for 332 E Michigan Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,100 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $182,000 (Sep 2026) |
| Tax Bill | $1,703 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-163-00 |
| Primary APN | 051-445-163-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,100 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 836 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 332 E MICHIGAN AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | E 50 FT OF LOT 21 BLK 64 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 64 |
| Legal Lot Number | 21 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 40400 |
Source: St. Joseph County records, as of October 8, 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 | 1427 CONCORD PLACE DR, 2C, KALAMAZOO, MI 49009-1698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INC |
| Nov 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2026 · Amount on Record |
| Deed Sale | Sep 28, 2026 · Amount on Record |
| Prior Sale | Nov 21, 2022 · Amount on Record |
| Deed Document Number | 20267765 |
| Prior Transfer Date | Apr 1, 2010 |
| Prior Transfer Doc | 1570/0391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 28, 2026 |
| Property Address | 332 E MICHIGAN AVE, THREE RIVERS, MI 49093-1125 |
| Document Number | 0000007765 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20267765 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $137,865.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000007766, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 20267766 |
| Name | MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000007767, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 20267767 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount Recorded |
|---|
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 21, 2022 |
| Property Address | 332 E MICHIGAN AVE, THREE RIVERS, MI 49093-1125 |
| Document Number | 2022009866 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 2022009866 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2816 FULFORD ST, 2816, KALAMAZOO, MI 49001-4488 |
| Name | Verified Name |
|---|---|
| Address | 59510 COUNTY LINE RD, THREE RIVERS, MI 49093-9218 |
| Date | Nov 21, 2022 |
|---|
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Max Rate | 12.3% |
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 | $48,700 (+40.35%) Land $3,100 Building $45,600 | $97,400 (+40.35%) Land $6,200 Building $91,200 | |
| 2025 | $1,703.00 (+32.74%) Homeowner's exemption | ||
| 2023 | $34,700 Land $1,900 Building $32,800 | $69,400 Land $3,800 Building $65,600 | |
| 2022 | $1,283.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 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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