St. Joseph County property record for 402 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,604 sqft · built 1900 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,282 (May 2022) |
| Tax Bill | $2,497 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-148-00 |
| Primary APN | 051-145-148-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,604 sqft Living Area |
| 1st Floor Area | 1,592 sqft |
| Basement Area | 1,592 sqft |
| Unfinished Basement | 1,406 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 87 ft deep x 66 ft wide |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 402 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | E 87 FT OF LOT 12 BLK 14. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 14 |
| Legal Lot Number | 12 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 40100 |
Source: St. Joseph County assessment roll, APN 051-145-148-00, as of July 24, 2026 · Last verified August 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 | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KELLOGG COMMUNITY CREDIT UNION |
| May 27, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 08, 2022 | Intrafamily Transfer, Transfer |
| May 02, 2022 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 02, 2022 · Amount on Record |
| Deed Sale | May 02, 2022 · Amount on Record |
| Prior Sale | Jun 28, 2002 · Amount on Record |
| Deed Document Number | 20224162 |
| Last Transfer Date | Jun 07, 2022 |
| Transfer Doc | 2022005370 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 15, 2026 |
| Property Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Number | 0000005786 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20265786 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Number | 0000005786, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 20265786 |
| Name | KELLOGG COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 27, 2026 |
| Property Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Number | 0000004398 |
| Instrument Date | May 22, 2026 |
| Instrument | 20264398 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jun 08, 2022 |
| Property Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Number | 2022005370 |
| Map Reference | LB 1 PG 68 |
| Instrument Date | Jun 07, 2022 |
| Instrument | 2022005370 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 02, 2022 |
| Property Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Number | 2022004162 |
| Map Reference | LB 1 PG 68 |
| Instrument Date | Apr 28, 2022 |
| Instrument | 2022004162 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $708.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59296 NOAH LAKE RD, THREE RIVERS, MI 49093-9326 |
| Name | Verified Name |
|---|---|
| Address | 402 WEST ST, THREE RIVERS, MI 49093-2224 |
Source: St. Joseph County assessment roll as of July 24, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $98,200 (+9.11%) Land $3,400 Building $94,800 | $196,400 (+9.11%) Land $6,800 Building $189,600 | |
| 2025 | $2,497.00 (+13.35%) Homeowner's exemption | $90,000 (+29.68%) Land $3,400 Building $86,600 | $180,000 (+29.68%) Land $6,800 Building $173,200 |
| 2023 | $69,400 Land $3,000 Building $66,400 | $138,800 Land $6,000 Building $132,800 | |
| 2022 | $2,203.00 |
Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), as of June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490401001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Sep 2008 · river or lake flooding |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 201 locations within half a mile, 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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