St. Joseph County property record for 419 5th Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,292 sqft · built 2019 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Jun 2022) |
| Tax Bill | $2,229 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-138-01 |
| Primary APN | 051-445-138-01 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,292 sqft Building Perimeter |
| 1st Floor Area | 1,292 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 528 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 419 5TH AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 63 1/2 PORTAGE ADD CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 63 |
| Legal Lot Number | 5 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 40400 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 419 5TH AVE, THREE RIVERS, MI 49093-1114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2024 | Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO |
| Jun 7, 2022 | Warranty Deed, Transfer · ARM OAK MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 7, 2022 · Amount on Record |
| Deed Sale | Jun 7, 2022 · Amount on Record |
| Prior Sale | Feb 6, 2003 |
| Deed Document Number | 20225321 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 419 5TH AVE, THREE RIVERS, MI 49093-1114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 419 5TH AVE, THREE RIVERS, MI 49093-1114 |
| Investor | Possibly a Property Investor |
| Document Number | 2024000443 |
|---|---|
| Date | Jan 22, 2024 |
| Instrument | 2024000443 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jun 7, 2022 |
| Property Address | 419 5TH AVE, THREE RIVERS, MI 49093-1114 |
| Document Number | 2022005321 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 2022005321 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | OAK TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 240 W MAIN ST, CENTREVILLE, MI 49032-9534 |
| Name | Verified Name |
|---|---|
| Address | 1118 4TH ST, THREE RIVERS, MI 49093-1808 |
| Investor | Possibly a Property Investor |
| Date | Jun 7, 2022 |
|---|
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | Other |
| Max Rate | 11% |
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $96,900 (+8.15%) | $193,800 (+8.15%) | |
| 2025 | $2,229.00 (-32.21%) Homeowner's exemption | $89,600 Land $4,100 Building $85,500 | $179,200 Land $8,200 Building $171,000 |
| 2024 | $3,288.00 |
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 |
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 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 | 150 / 20 |
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