45 N Main St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 45 N Main St, Three Rivers, MI 49093

Property Summary

Property Type	Commercial
Details	4,872 sqft
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (May 2017)
Tax Bill	$5,670 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-156-007-00`

Property Details

APN / Parcel Number

Primary APN	`051-156-007-00`

Interior

Stories	3 Stories
Building Area	4,872 sqft Total Area

Exterior

Fire Resistance	Masonry Walls, Wood Interior
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 N MAIN ST
City	THREE RIVERS
State	MI
Zip	49093-1531
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B-3
Legal Description	LOT 5 EXC N 6 IN OF W 75 FT BLK 49 3/4 PORTAGE ADD CITY OF THREE RIVERS ANDREWS PLAT. (DESC OF EASE; NORTHEASTERLY 50 FT+/- O
Legal Subdivision	PORTAGE ADD
Legal Block	49
Legal Lot Number	5
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3041
Census Tract	40100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Three Rivers Commercial Historic District listed 1982 · 47 contributing resources · NRIS 82004472

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	11170 COREY LAKE RD, THREE RIVERS, MI 49093-9214
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2019	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK
Sep 28, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 24, 2022	Warranty Deed, Transfer SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC
May 10, 2017	Warranty Deed, Transfer · Line of Credit HORIZON BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2017 · Amount on Record
Deed Sale	May 10, 2017 · Amount on Record
Prior Sale	Mar 6, 2002 · Amount on Record
Deed Book / Page	1869 / 442
Last Transfer Date	Sep 20, 2022
Transfer Doc	0000008472
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	45 N MAIN ST, THREE RIVERS, MI 49093-1531
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01954/0987
Date	Apr 15, 2019
Book Page	1954/0987

Lender

Name	HORIZON BANK
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 12, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 28, 2022
Property Address	45 N MAIN ST, THREE RIVERS, MI 49093-1531
Document Number	2022008472
Map Reference	LB E PG 28
Instrument Date	Sep 20, 2022
Instrument	2022008472
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	814 11TH ST SE, SIOUX CENTER, IA 51250-2033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 N MAIN ST, THREE RIVERS, MI 49093-1531

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 24, 2022
Property Address	45 N MAIN ST, THREE RIVERS, MI 49093-1531
Document Number	2022005819
Map Reference	LB 2 PG 22F
Instrument Date	Jun 23, 2022
Instrument	2022005819
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62757 CONSTANTINE RD, CONSTANTINE, MI 49042-9774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11170 COREY LAKE RD, THREE RIVERS, MI 49093-9214

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 10, 2017
Property Address	45 N MAIN ST, THREE RIVERS, MI 49093-1531
Document Number	01869/0442
Book / Page	1869 / 0442
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4323 SUNSET DR, KALAMAZOO, MI 49008-2807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62757 CONSTANTINE RD, CONSTANTINE, MI 49042-9774

Mortgage

Document Number	01869/0250
Date	May 10, 2017
Book Page	1869/0250

Lender

Name	HORIZON BANK NA
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 28, 2027

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		$95,500 (-3.92%) Land $5,100 Building $90,400	$191,000 (-3.92%) Land $10,200 Building $180,800
2025	$5,670.00 (+77.41%)	$99,400 (+6.54%) Land $4,900 Building $94,500	$198,800 (+6.54%) Land $9,800 Building $189,000
2023		$93,300 Land $4,000 Building $89,300	$186,600 Land $8,000 Building $178,600
2022	$3,196.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1982–2020)
Most Recent Claim	May 2020 · 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.

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 268 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

May also be available: Spectrum.

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