St. Joseph County property record for 405 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,812 sqft · built 1900 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,371 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-129-00 |
| Primary APN | 051-145-129-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 852 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 52 ft deep x 52 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | N 52 FT OF W 65 FT OF LOT 2 BLK 13 CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 13 |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 40100 |
405 West St is owned and occupied by an individual who acquired it in October 1999.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 WEST ST, THREE RIVERS, MI 49093-2223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Oct 11, 1999 |
| Deed Sale | Oct 11, 1999 |
| Prior Sale | Nov 12, 1996 · Amount on File |
| Deed Book / Page | 913 / 1 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 405 West St was $1,371 with a homeowner's exemption.
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 | $57,600 Land $2,100 Building $55,500 | $115,200 Land $4,200 Building $111,000 | |
| 2025 | $1,371.00 Homeowner's exemption | ||
| 2023 | $41,900 Land $2,300 Building $39,600 | $83,800 Land $4,600 Building $79,200 | |
| 2022 | $1,210.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 West St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.
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 | 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 405 West St is low, with 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 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 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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