St. Joseph County property record for 412 Garden St, Three Rivers, MI 49093 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,888 sqft · built 1900 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,500 (Mar 2022) |
| Tax Bill | $2,129 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 051-499-028-00 |
| Primary APN | 051-499-028-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,888 sqft Living Area |
| 1st Floor Area | 1,112 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 | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 162 ft deep x 65 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 412 GARDEN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM W LN GARDEN ST 241 2/3 FT SWLY OF S LN 5TH AV TH SWLY ALG W LN GARDEN ST 65 FT TH AT R/A W/ GARDEN ST TO PORTAGE RIVER TH |
| Legal Subdivision | PORTAGE ADDITION |
| Legal Lot Number | 19 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 40400 |
Source: St. Joseph County records · APN 051-499-028-00
Assessment roll updated August 11, 2025 · Last verified July 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 | 412 GARDEN ST, THREE RIVERS, MI 49093-1520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 11, 2022 · Amount on Record |
| Deed Sale | Mar 11, 2022 · Amount on Record |
| Prior Sale | Jul 06, 2007 · Amount on Record |
| Deed Document Number | 20222187 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 11, 2022 |
| Property Address | 412 GARDEN ST, THREE RIVERS, MI 49093-1520 |
| Document Number | 2022002187 |
| Instrument Date | Mar 09, 2022 |
| Instrument | 2022002187 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2022 |
| Title Company | SERVICELINK |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,256.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3931 S PRAIRIE AVE, 3931, CHICAGO, IL 60653-2210 |
| Name | Verified Name |
|---|---|
| Address | 52010 LAKE AVE, THREE RIVERS, MI 49093-9659 |
| Date | Mar 11, 2022 |
|---|
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $90,400 (+37.39%) | $180,800 (+37.39%) | |
| 2025 | $2,129.00 (+21.8%) Homeowner's exemption | ||
| 2023 | $65,800 Land $5,500 Building $60,300 | $131,600 Land $11,000 Building $120,600 | |
| 2022 | $1,748.00 |
Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490404001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 11 individual NFIP policies nearby |
| Nearby Flood Policies | 44 units insured 33 under condo master policies |
| Nearby Flood Claims | 20 (1981–2020) |
| Most Recent Claim | May 2020, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 260 locations within about half a mile of this property
| Provider | Technology | Download / Upload (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 (licensed-by-rule) | 150 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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