St. Joseph County property record for 425 4th Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,144 sqft · built 1956 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Sep 2023) |
| Tax Bill | $2,272 (2025) |
| Deeds & Mortgages | Apr 2026 Construction Loan Sep 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-169-00 |
| Primary APN | 051-445-169-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 425 4TH AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 13 BLK 64 1/2 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | PORTAGE ADD |
| Legal Block | 64 |
| Legal Lot Number | 13 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK |
| Sep 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Mar 30, 2020 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2023 · Amount on Record |
| Deed Sale | Sep 26, 2023 · Amount on Record |
| Prior Sale | Sep 12, 2016 · Amount on Record |
| Deed Document Number | 20236913 |
| Prior Transfer Date | Jun 28, 2005 |
| Prior Transfer Doc | 1347/0927 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 8, 2026 |
| Property Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Document Number | 0000002999 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20262999 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002999, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 20262999 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 26, 2023 |
| Property Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Document Number | 2023006913 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 2023006913 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2023 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,237.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2850 W U AVE, SCHOOLCRAFT, MI 49087-8728 |
| Name | Verified Name |
|---|---|
| Address | 15403 STOREYHILL ST, VANDALIA, MI 49095-9718 |
| Investor | Possibly a Property Investor |
| Document Number | 2023006914 |
|---|---|
| Date | Sep 26, 2023 |
| Instrument | 2023006914 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 425 4TH AVE THREE, 3, THREE RIVERS, MI 49093-1110 |
| Document Number | 2022009375 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 2022009375 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Document Number | 2022000573 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 2022000573 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 425 4TH AVE, THREE RIVERS, MI 49093-1110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2002/271 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 2002/271 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 25, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $53,800 (+6.96%) Land $4,100 Building $49,700 | $107,600 (+6.96%) Land $8,200 Building $99,400 | |
| 2025 | $2,272.00 (+73.17%) Homeowner's exemption | $50,300 (+28.97%) Land $4,100 Building $46,200 | $100,600 (+28.97%) Land $8,200 Building $92,400 |
| 2023 | $39,000 Land $2,500 Building $36,500 | $78,000 Land $5,000 Building $73,000 | |
| 2022 | $1,312.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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