St. Joseph County property record for 414 E Michigan Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,448 sqft · built 1900 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,100 (Sep 2016) |
| Tax Bill | $2,118 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-175-00 |
| Primary APN | 051-445-175-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 384 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 130 ft deep x 130 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 414 E MICHIGAN AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOTS 22 & 26 BLK 64 1/2 PORTAGE ADD CITY OF THREE RIVERS. EXC COM SE COR LOT 22 TH N 6 FT TH S 77D 3M W 26 FT 9 IN TO N LN OF |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 64 |
| Legal Lot Number | 22,26 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1030 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 414 E MICHIGAN AVE, THREE RIVERS, MI 49093-1127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage OMNI COMMUNITY CU |
| Mar 16, 2018 | Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Jan 16, 2018 | Warranty Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2016 · Amount on Record |
| Deed Sale | Sep 26, 2016 · Amount on Record |
| Prior Sale | Aug 1, 2006 · Amount on Record |
| Deed Book / Page | 1840 / 711 |
| Prior Transfer Date | Sep 15, 2016 |
| Prior Transfer Doc | 01840/0711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 23, 2021 |
| Property Address | 414 E MICHIGAN AVE, THREE RIVERS, MI 49093-1127 |
| Document Number | 2021011862 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 2021011862 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $862.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 EAST ST MICHIGAN AVE412, AVE412, THREE RIVERS, MI 49093-1410 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 227 2ND AVE, THREE RIVERS, MI 49093-1639 |
| Date | Nov 23, 2021 |
|---|
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 16, 2018 |
| Property Address | 414 E MICHIGAN AVE, THREE RIVERS, MI 49093-1127 |
| Document Number | 01907/0207 |
| Book / Page | 1907 / 0207 |
| Map Reference | LB2 PG22 |
| Instrument Date | Mar 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 451 7 TH ST, WASHINGTON, MI 00000 |
| Name | Verified Name |
|---|---|
| Address | 4552 N APACHE TRL, HERNANDO, FL 34442-4102 |
| Document Number | 0001907209 |
|---|---|
| Date | Mar 16, 2018 |
| Instrument | 1907/209 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 16, 2018 |
| Property Address | 414 E MICHIGAN AVE, THREE RIVERS, MI 49093-1127 |
| Document Number | 01900/0410 |
| Book / Page | 1900 / 0410 |
| Map Reference | LB2 PG22 |
| Instrument Date | Dec 1, 2016 |
| Instrument | 1900-0410 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 999 NW GRAND BLVD, OKLAHOMA CITY, OK 73118-6051 |
| Name | Verified Name |
|---|---|
| Address | 2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420 |
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 | $65,600 (+39.87%) Land $8,000 Building $57,600 | $131,200 (+39.87%) Land $16,000 Building $115,200 | |
| 2025 | $2,118.00 (+8.28%) Homeowner's exemption | ||
| 2023 | $46,900 Land $4,900 Building $42,000 | $93,800 Land $9,800 Building $84,000 | |
| 2022 | $1,956.00 |
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 97% of the US · lower than 93% 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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