St. Joseph County property record for 437 E Michigan Ave, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,344 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (May 2025) |
| Tax Bill | $2,101 (2025) |
| Deeds & Mortgages | Sep 2023 Foreclosure Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-445-180-00 |
| Primary APN | 051-445-180-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 1,248 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 437 E MICHIGAN AVE |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 22 BLK 65 PORTAGE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 65 |
| Legal Lot Number | 22 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 40400 |
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 | 19882 MICHIGAN AVE, 60, THREE RIVERS, MI 49093-9066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Sep 22, 2023 | Sheriff's Deed, Foreclosure |
| Feb 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Apr 26, 2017 | Land Contract, Transfer · Seller Carry-Back CAROL BORDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2025 · Amount on Record |
| Deed Sale | May 30, 2025 · Amount on Record |
| Prior Sale | Nov 18, 2024 · Amount on Record |
| Deed Document Number | 20254359 |
| Prior Transfer Date | Apr 10, 2015 |
| Prior Transfer Doc | 1781/0422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 22, 2023 |
| Property Address | 437 E MICHIGAN AVE, THREE RIVERS, MI 49093-1126 |
| Document Number | 2023006803 |
| Map Reference | LB 2 PG 22 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 2023006803 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 437 E MICHIGAN AVE, THREE RIVERS, MI 49093-1126 |
| Name | Verified Name |
|---|---|
| Address | 1600 S DOUGLASS RD STE 200A, 200A, ANAHEIM, CA 92806-5948 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 17, 2021 |
| Property Address | 437 E MICHIGAN AVE, THREE RIVERS, MI 49093-1126 |
| Document Number | 2021001595 |
| Map Reference | LB 28 PG 425 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 2021001595 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $877.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11097 US HIGHWAY 12, 11097, WHITE PIGEON, MI 49099-9176 |
| Name | Verified Name |
|---|---|
| Address | 303 KING ST, DOWAGIAC, MI 49047-1319 |
| Date | Feb 17, 2021 |
|---|
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 26, 2017 |
| Property Address | 437 E MICHIGAN AVE, THREE RIVERS, MI 49093-1126 |
| Document Number | 1867/0818 |
| Book / Page | 1867 / 0818 |
| Instrument Date | Jan 19, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11097 US HIGHWAY 12, 11097, WHITE PIGEON, MI 49099-9176 |
| Name | Verified Name |
|---|---|
| Address | 437 E MICHIGAN AVE, THREE RIVERS, MI 49093-1126 |
| Date | Apr 26, 2017 |
|---|
| Name | CAROL BORDERS |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $75,700 (+7.68%) | $151,400 (+7.68%) | |
| 2025 | $2,101.00 (-3.71%) Homeowner's exemption | $70,300 (+29.47%) Land $4,100 Building $66,200 | $140,600 (+29.47%) Land $8,200 Building $132,400 |
| 2023 | $54,300 Land $2,500 Building $51,800 | $108,600 Land $5,000 Building $103,600 | |
| 2022 | $2,182.00 |
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.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1989–2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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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