St. Joseph County property record for 413 Washington St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,668 sqft · built 1939 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,028 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-138-00 |
| Primary APN | 051-445-138-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| 1st Floor Area | 948 sqft |
| Basement Area | 948 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 130 ft deep x 130 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 WASHINGTON ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOTS 3 & 4 BLK 63 1/2 PORTAGE ADD SEC 17 T6S R11W CITY OF THREE RIVERS |
| Legal Range | 11W |
| Legal Township | 06S |
| Legal Section | 17 |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 63 |
| Legal Lot Number | 3-4 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 40400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 413 WASHINGTON ST, THREE RIVERS, MI 49093-1129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO |
| Feb 10, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2001 |
| Deed Sale | Sep 28, 2001 |
| Prior Sale | Nov 12, 1998 |
| Deed Book / Page | 1011 / 817 |
| Last Transfer Date | Jul 18, 2013 |
| Transfer Doc | 1730/0434 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 413 WASHINGTON ST, THREE RIVERS, MI 49093-1129 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 413 WASHINGTON ST, THREE RIVERS, MI 49093-1129 |
| Document Number | 2023004649 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 2023004649 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 413 WASHINGTON ST, THREE RIVERS, MI 49093-1129 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021001405 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 2021001405 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| 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 | $81,200 (+8.41%) Land $8,000 Building $73,200 | $162,400 (+8.41%) Land $16,000 Building $146,400 | |
| 2025 | $2,028.00 (+13.36%) Homeowner's exemption | $74,900 (+30.03%) Land $8,000 Building $66,900 | $149,800 (+30.03%) Land $16,000 Building $133,800 |
| 2023 | $57,600 Land $4,900 Building $52,700 | $115,200 Land $9,800 Building $105,400 | |
| 2022 | $1,789.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 11 individual policies |
| Nearby Flood Policies | 44 units insured incl. 33 condo units |
| Nearby Flood Claims | 20 (1981–2020) |
| Most Recent Claim | May 2020 · rainfall accumulation |
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 99.1% of the US · lower than 98.4% 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 260 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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