431 11th Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 431 11th Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 1956
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Mar 2024)
Tax Bill	$2,253 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2023 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-455-001-00`

Property Details

APN / Parcel Number

Primary APN	`051-455-001-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft
Basement Area	1,420 sqft
Unfinished Basement	1,424 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	132 ft deep x 136 ft wide
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	431 11TH AVE
City	THREE RIVERS
State	MI
Zip	49093-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOTS 1 & 2 BLK 1 ROSELAWN ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1013
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	2 Individual Names on Record
Mailing Address	6279 SILVER FIR ST, PORTAGE, MI 49024-9040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Warranty Deed, Transfer · FHA Mortgage MEMBERS FIRST MORTGAGE LLC
Oct 10, 2023	Sheriff's Deed, Foreclosure
Dec 19, 2022	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK
Jul 6, 2020	Warranty Deed, Transfer · Second Mortgage (Down Payment) MICHIGAN STATE UNIVERSITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2024 · Amount on Record
Deed Sale	Mar 25, 2024 · Amount on Record
Prior Sale	Oct 10, 2023 · Amount on Record
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 25, 2024
Property Address	431 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	2024001860
Map Reference	LB 3 PG 21
Instrument Date	Mar 18, 2024
Instrument	2024001860
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 11TH AVE, THREE RIVERS, MI 49093-1041

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	431 11TH AVE, THREE RIVERS, MI 49093-1041

Mortgage

Document Number	2024001861
Date	Mar 25, 2024
Instrument	2024001861

Lender

Name	MEMBERS FIRST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

October 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 10, 2023
Property Address	431 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	2023007242
Map Reference	LB 3 PG 21
Instrument Date	Sep 28, 2023
Instrument	2023007242
Transaction Type	Foreclosure
Record Updated	Oct 27, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 11TH AVE, THREE RIVERS, MI 49093-1041

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 19, 2022
Property Address	431 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	2022010491
Map Reference	LB 3 PG 21
Instrument Date	Dec 13, 2022
Instrument	2022010491
Transaction Type	Transfer
Record Updated	Jan 4, 2023
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 11TH AVE, THREE RIVERS, MI 49093-1041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 S HOOKER AVE, THREE RIVERS, MI 49093-2512

Mortgage

Date	Dec 19, 2022

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	11.7%
Index	1-Year CMT
Max Rate	11.7%

Mortgage

Document Number	2022010493
Date	Dec 19, 2022
Instrument	2022010493

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 6, 2020
Property Address	431 11TH AVE, THREE RIVERS, MI 49093-1041
Document Number	2020002931
Map Reference	LB 3 PG 21
Instrument Date	Jun 26, 2020
Instrument	2020002931
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$607.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23025 STORYS STATION RD, 23025, COURTLAND, VA 23837-2101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 LOREN AVE APT 12, 12, THREE RIVERS, MI 49093-2828

Mortgage

Date	Jul 6, 2020

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

Mortgage

Document Number	2020002933
Date	Jul 6, 2020
Instrument	2020002933

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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		$81,300 (+40.66%)	$162,600 (+40.66%)
2025	$2,253.00 (-0.66%) Homeowner's exemption
2023		$57,800 Land $5,100 Building $52,700	$115,600 Land $10,200 Building $105,400
2022	$2,268.00

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.

Nearby Properties on 11th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures