415 11th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 415 11th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1971
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual on Record
Last Sale	$182,000 (Jul 2024)
Tax Bill	$1,814 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-455-006-00`

Property Details

APN / Parcel Number

Primary APN	`051-455-006-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 11TH AVE
City	THREE RIVERS
State	MI
Zip	49093-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 6 BLK 1 ROSELAWN ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	1
Legal Lot Number	6
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1013
Census Tract	40400

Owner

Source: St. Joseph County assessment roll, as of August 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	415 11TH AVE, THREE RIVERS, MI 49093-1041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC
Feb 17, 2017	Warranty Deed, Transfer TITLE RESOURCE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2024 · Amount on Record
Deed Sale	Jul 5, 2024 · Amount on Record
Prior Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	20244910
Prior Transfer Date	Sep 17, 2002
Prior Transfer Doc	1085000382
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 17, 2021
Property Address	415 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	2021009415
Map Reference	LB 3 PG 21
Instrument Date	Sep 15, 2021
Instrument	2021009415
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	PATRICK ABSTRACT & TTL OFFIC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 CARILLON PKWY UNIT 311, 250, SAINT PETERSBURG, FL 33716-1385

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 11TH AVE, THREE RIVERS, MI 49093-1041

Mortgage

Document Number	2021009416
Date	Sep 17, 2021
Instrument	2021009416

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 19, 2017
Property Address	415 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	1885/0770
Book / Page	1885 / 0770
Map Reference	LB3 PG21
Instrument Date	Sep 18, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	WEST MI REALTORS TITLE, WEST MICHIGAN REALTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$769.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13577 QUARTERLINE RD, 13577, CONSTANTINE, MI 49042-9630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 PINE ST, THREE RIVERS, MI 49093-1341

Mortgage

Document Number	18850773
Date	Sep 19, 2017
Instrument	1885/0773

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 17, 2017
Property Address	415 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	1859/0118
Book / Page	1859 / 0118
Map Reference	LB3 PG21
Instrument Date	Feb 13, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$477.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	61374 CONSTANTINE RD, 61374, THREE RIVERS, MI 49093-9314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13577 QUARTERLINE RD, CONSTANTINE, MI 49042-9630

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
Municipality	Three Rivers City
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,800 (+47.88%)	$139,600 (+47.88%)
2025	$1,814.00 (-5.47%) Homeowner's exemption
2023		$47,200 Land $2,500 Building $44,700	$94,400 Land $5,000 Building $89,400
2022	$1,919.00

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.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 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

May also be available: Mercury Fiber, Spectrum.

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