St. Joseph County property record for 4 N Main St, Three Rivers, MI 49093
| Property Type | Commercial |
|---|---|
| Details | 4,292 sqft · built 1886 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $14,000 (Jul 1998) |
| Tax Bill | $1,975 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-199-002-10 |
| Primary APN | 051-199-002-10 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,292 sqft Total Area |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 77.3 ft deep x 35 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4 N MAIN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1532 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | B-3 |
| Legal Description | COM AT INT OF W LN N MAIN ST & N LN MICHIGAN AVE TH SWLY ALG MICHIGAN AVE 77.75 FT TH NWLY PAR WITH MAIN ST 20.75 FT TO POB T |
| Legal Subdivision | CITY OF THREE RIVERS |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 40100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Downtown Three Rivers Commercial Historic District listed 1982 · 47 contributing resources · NRIS 82004472 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 51122 N US HIGHWAY 131, THREE RIVERS, MI 49093-9762 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 1998 · Amount on Record |
| Deed Sale | Jul 30, 1998 · Amount on Record |
| Deed Book / Page | 851 / 325 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 4 N MAIN ST, THREE RIVERS, MI 49093-1532 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1940/0001 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 1940/0001 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $83,200 (+3.35%) Land $7,100 Building $76,100 | $166,400 (+3.35%) Land $14,200 Building $152,200 | |
| 2025 | $1,975.00 (+38.4%) | ||
| 2023 | $80,500 Land $5,600 Building $74,900 | $161,000 Land $11,200 Building $149,800 | |
| 2022 | $1,427.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 1 in force |
| Nearby Flood Claims | 5 (1982–2020) |
| Most Recent Claim | May 2020 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 268 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: Spectrum.
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