430 8th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 430 8th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,816 sqft · built 1955
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Feb 2023)
Tax Bill	$5,993 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-425-007-00`

Property Details

APN / Parcel Number

Primary APN	`051-425-007-00`

Interior

Full Baths	1 Bath
Building Area	1,816 sqft Living Area
1st Floor Area	1,816 sqft
Basement Area	1,816 sqft
Unfinished Basement	1,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	130 ft deep x 130 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	430 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	LOTS 13 & 20 HEYWOOD SUBDIV CITY OF THREE RIVERS
Legal Subdivision	CITY OF THREE RIVERS
Legal Lot Number	13,20
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1016
Census Tract	40400

Owner

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	430 8TH AVE, THREE RIVERS, MI 49093-1034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Feb 8, 2023	Warranty Deed, Transfer · FHA Mortgage CITIZENS BANK NA
Apr 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA
May 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2023 · Amount on Record
Deed Sale	Feb 8, 2023 · Amount on Record
Deed Document Number	2023876
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	430 8TH AVE, THREE RIVERS, MI 49093-1034
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 8TH AVE, THREE RIVERS, MI 49093-1034

Mortgage

Document Number	2025008267
Date	Oct 20, 2025
Instrument	2025008267

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Feb 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 8, 2023
Property Address	430 8TH AVE, THREE RIVERS, MI 49093-1034
Document Number	2023000876
Map Reference	LB 2 PG 80
Instrument Date	Jan 13, 2023
Instrument	2023000876
Transaction Type	Transfer
Record Updated	Feb 22, 2023
Title Company	STAR TITLE SERVICES, STAR TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 8TH AVE, THREE RIVERS, MI 49093-1034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 W CONGRESS ST, STURGIS, MI 49091-1622

Mortgage

Date	Feb 8, 2023

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	430 8TH AVE, THREE RIVERS, MI 49093-1034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1867/0119
Date	Apr 21, 2017
Book Page	1867/0119

Lender

Name	HORIZON BANK NA
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 23, 2022

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 20, 2019
Property Address	430 8TH AVE, THREE RIVERS, MI 49093-1034
Document Number	1959/0754
Book / Page	1959 / 0754
Map Reference	LB 2 PG 80
Instrument Date	May 20, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 8TH AVE, 430, THREE RIVERS, MI 49093-1034

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	518 E WALNUT ST, STANTON, MI 48888-9172

Tax Assessment & Valuation

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		$100,300 (+36.65%) Land $8,000 Building $92,300	$200,600 (+36.65%) Land $16,000 Building $184,600
2025	$5,993.00 (+200.85%)
2023		$73,400 Land $4,900 Building $68,500	$146,800 Land $9,800 Building $137,000
2022	$1,992.00

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 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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