420 8th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 420 8th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1965
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$150,500 (May 2021)
Tax Bill	$2,304 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-405-033-03`

Property Details

APN / Parcel Number

Primary APN	`051-405-033-03`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,066 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	125 ft deep x 72.5 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 8TH AVE
City	THREE RIVERS
State	MI
Zip	49093-1034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 76 & E 1/2 OF LOT 75 BROOKLYN HEIGHTS ADD. CITY OF THREE RIVERS.
Legal Subdivision	BROOKLYN HEIGHTS
Legal Lot Number	75,76
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1016
Census Tract	40400

Owner

420 8th Ave is owned and occupied by an individual who bought it in May 2021.

Source: St. Joseph County records, as of July 24, 2026

Owner of Record	Individual Name on File
Mailing Address	420 8TH AVE, THREE RIVERS, MI 49093-1034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 11, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 5, 2020	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2021 · Amount on File
Deed Sale	May 11, 2021 · Amount on File
Prior Sale	Aug 5, 2020 · Amount on File
Deed Document Number	20215114
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	420 8TH AVE, THREE RIVERS, MI 49093-1034
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4208TH AVE, THREE RIVERS, MI 49093

Mortgage

Document Number	2024000592
Date	Jan 29, 2024
Instrument	2024000592

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	May 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 11, 2021
Property Address	420 8TH AVE, THREE RIVERS, MI 49093-1034
Document Number	2021005114
Map Reference	LB 01 PG 40
Instrument Date	Apr 30, 2021
Instrument	2021005114
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	IRONGATE TITLE AGENCY LLC, IRON GATE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,128.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12558 68TH AVE, 12558, ALLENDALE, MI 49401-9794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 THOMAS ST APT 3, 3, THREE RIVERS, MI 49093-2729

Mortgage

Date	May 11, 2021

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 5, 2020
Property Address	420 8TH AVE, THREE RIVERS, MI 49093-1034
Document Number	2020004114
Map Reference	LB 1 PG 40
Instrument Date	Jul 15, 2020
Instrument	2020004114
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount on Record
Tax	$420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5151 CORPORATE DR, 5151, TROY, MI 48098-2639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12558 68TH AVE, ALLENDALE, MI 49401-9794

Tax Assessment & Valuation

The 2025 property tax bill for 420 8th Ave was $2,304 with a homeowner's exemption.

Source: St. Joseph County assessment roll, as of July 24, 2026

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		$70,700 Land $4,400 Building $66,300	$141,400 Land $8,800 Building $132,600
2025	$2,304.00 Homeowner's exemption
2023		$50,300 Land $2,700 Building $47,600	$100,600 Land $5,400 Building $95,200
2022	$2,032.00

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

FEMA maps place 420 8th Ave in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1981.

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 File 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

Wildfire risk around 420 8th Ave is low, with less than 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 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.

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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