St. Joseph County property record for 40 N Main St, Three Rivers, MI 49093
| Property Type | Commercial |
|---|---|
| Details | 7,755 sqft |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Company Name on File |
| Last Sale | $115,000 (May 2006) |
| Tax Bill | $2,077 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-199-018-00 |
| Primary APN | 051-199-018-00 |
|---|
| Stories | 3 Stories |
|---|---|
| Building Area | 7,755 sqft Total Area |
| Fire Resistance | Wood or Wood & Steel Frame |
|---|---|
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 152 ft deep x 22 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 40 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 | N 23 1/2 FT OF S 47 FT OF LOT 7. PARCEL OF LAND IN NW 1/4 OF SE 1/4 SEC 18 T6S R11W. CITY OF THREE RIVERS. WESTLY SIDE OF N. |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 18 |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Lot Number | 7 |
| 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.
40 N Main St, a commercial property, is owned by a company that bought it in May 2006.
Source: St. Joseph County records, as of July 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 24780 W LAKE SHORE DR, ROUND LAKE BEACH, IL 60073-1058 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2006 · Amount on File |
| Deed Sale | May 30, 2006 · Amount on File |
| Prior Sale | Sep 26, 2003 · Amount on File |
| Deed Book / Page | 1376 / 142 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 40 N MAIN ST, THREE RIVERS, MI 49093-1532 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2020002337 |
|---|---|
| Date | Jun 15, 2020 |
| Instrument | 2020002337 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 8, 2025 |
The 2025 property tax bill for 40 N Main St was $2,077.
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $104,700 | $209,400 | |
| 2025 | $2,077.00 | ||
| 2023 | $100,400 Land $3,500 Building $96,900 | $200,800 Land $7,000 Building $193,800 | |
| 2022 | $2,932.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 N Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 40 N Main St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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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