St. Joseph County property record for 414 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,208 sqft · built 1895 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,900 (Dec 2020) |
| Tax Bill | $3,360 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-145-00 |
| Primary APN | 051-145-145-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,208 sqft Living Area |
| 1st Floor Area | 1,632 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 414 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 9 BLK 14. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 14 |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 40100 |
414 West St is owned and occupied by an individual who bought it in December 2020.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 414 WEST ST, THREE RIVERS, MI 49093-2224 |
| 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 | Dec 1, 2020 · Amount on File |
| Deed Sale | Dec 1, 2020 · Amount on File |
| Prior Sale | Jul 8, 2008 · Amount on File |
| Deed Document Number | 20208064 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Dec 1, 2020 |
| Property Address | 414 WEST ST, THREE RIVERS, MI 49093-2224 |
| Document Number | 2020008064 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 2020008064 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 WEST ST, 414, THREE RIVERS, MI 49093-2224 |
| Name | Verified Name |
|---|---|
| Address | 50333 CARINO CT, PAW PAW, MI 49079-9661 |
| Date | Dec 1, 2020 |
|---|
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 414 West St was $3,360 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 | $97,300 Land $4,200 Building $93,100 | $194,600 Land $8,400 Building $186,200 | |
| 2025 | $3,360.00 Homeowner's exemption | ||
| 2023 | $71,800 Land $3,000 Building $68,800 | $143,600 Land $6,000 Building $137,600 | |
| 2022 | $2,964.00 |
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.
FEMA maps place 414 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
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 Claims | 1 (2008) |
| Most Recent Claim | Sep 2008 · 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 414 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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