430 11th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 430 11th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 600 sqft · built 1967
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 2022)
Tax Bill	$1,045 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-455-023-00`

Property Details

APN / Parcel Number

Primary APN	`051-455-023-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	600 sqft Living Area
1st Floor Area	600 sqft
Basement Area	600 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	71.6 ft deep x 180 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	430 11TH AVE
City	THREE RIVERS
State	MI
Zip	49093-1042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOTS 1 & 2 BLK 3 ROSELAWN ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	3
Legal Lot Number	1-2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1012
Census Tract	40400

Owner

Source: St. Joseph County records, as of July 20, 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	430 11TH AVE, THREE RIVERS, MI 49093-1042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FRANKENMUTH CU
Jul 5, 2022	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Mar 8, 2022	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Apr 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Jul 5, 2022 · Amount on Record
Deed Document Number	20228458
Prior Transfer Date	Jan 6, 2022
Prior Transfer Doc	2022003672
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 21, 2026
Property Address	430 11TH AVE, THREE RIVERS, MI 49093-1042
Document Number	0000005929
Instrument Date	Jul 20, 2026
Instrument	20265929
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$84,461.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18824 ARK LAND, THREE RIVERS, MI 49093-8367

Mortgage

Document Number	0000005930,
Date	Jul 21, 2026
Instrument	20265930

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000005931,
Date	Jul 21, 2026
Instrument	20265931

Lender

Name	MICHIGAN STATE HSNG DEV AUTH

Agreement

Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 28, 2022
Property Address	430 11TH AVE, THREE RIVERS, MI 49093-1042
Document Number	2022008458
Map Reference	LB 2 PG 21
Instrument Date	Sep 16, 2022
Instrument	2022008458
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	711 N BURR, 711, COLON, MI 49040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2147 W CARO RD, CARO, MI 48723-9203

Mortgage

Date	Sep 28, 2022

Lender

Name	FRANKENMUTH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 5, 2022
Property Address	430 11TH AVE, THREE RIVERS, MI 49093-1042
Document Number	2022006093
Map Reference	LB 2 PG 21
Instrument Date	Jul 1, 2022
Instrument	2022006093
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$318.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1659 WILLIS AVE NW, 1659, GRAND RAPIDS, MI 49504-2735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 11TH AVE, THREE RIVERS, MI 49093-1042

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 8, 2022
Property Address	430 11TH AVE, THREE RIVERS, MI 49093-1042
Document Number	2022002076
Map Reference	LB 2 PG 21
Instrument Date	Feb 24, 2022
Instrument	2022002076
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 11TH AVE, 430, THREE RIVERS, MI 49093-1042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1659 WILLIS AVE NW, GRAND RAPIDS, MI 49504-2735

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 13, 2022
Property Address	430 11TH AVE, THREE RIVERS, MI 49093-1042
Document Number	2022003672
Instrument Date	Jan 6, 2022
Instrument	2022003672
Transaction Type	Transfer
Record Updated	Jul 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58187 OAKWOOD DR, THREE RIVERS, MI 49093-9350

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		$42,900 (+5.67%)	$85,800 (+5.67%)
2025	$1,045.00 (+19.57%) Homeowner's exemption	$40,600 (+25.7%) Land $8,200 Building $32,400	$81,200 (+25.7%) Land $16,400 Building $64,800
2023		$32,300 Land $6,800 Building $25,500	$64,600 Land $13,600 Building $51,000
2022	$874.00

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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