St. Joseph County property record for 405 S Constantine St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,568 sqft · built 1900 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,027 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-335-003-00 |
| Primary APN | 051-335-003-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 S CONSTANTINE ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 4 KINGS RESUBDIV & ADD CITY OF THREE RIVERS. |
| Legal Subdivision | KINGS RESUBDIV & ADD |
| Legal Lot Number | 4 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 40300 |
Source: St. Joseph County records, as of July 24, 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 | 405 S CONSTANTINE ST, THREE RIVERS, MI 49093-2503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · SBA Mortgage US SMALL BUSN ADMN |
| Jul 16, 2018 | Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Book / Page | 554 / 789 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 6, 2026 |
| Property Address | 405 S CONSTANTINE ST, THREE RIVERS, MI 49093-2503 |
| Document Number | 0000005417 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 20265417 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 405 S CONSTANTINE ST, THREE RIVERS, MI 49093-2503 |
| Document Number | 0000005417, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 20265417 |
| Name | US SMALL BUSN ADMN |
|---|
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 405 S CONSTANTINE ST, THREE RIVERS, MI 49093-2503 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Name | Verified Name |
|---|
| Document Number | 1923/0301 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 1923/0301 |
| 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 | $56,100 (+43.48%) Land $3,000 Building $53,100 | $112,200 (+43.48%) Land $6,000 Building $106,200 | |
| 2025 | $1,027.00 (+13.36%) Homeowner's exemption | ||
| 2023 | $39,100 Land $2,000 Building $37,100 | $78,200 Land $4,000 Building $74,200 | |
| 2022 | $906.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2008–2018) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Feb 2018 · 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 | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 340 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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