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

St. Joseph County property record for 511 N Main St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,784 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-145-199-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-199-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	1,784 sqft Living Area
1st Floor Area	1,112 sqft
Basement Area	1,112 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	156 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 N MAIN ST
City	THREE RIVERS
State	MI
Zip	49093-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 3 BLK 19. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	19
Legal Lot Number	3
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3022
Census Tract	40100

Owner

Source: St. Joseph County assessment roll, as of August 11, 2025

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 File
Mailing Address	511 N MAIN ST, THREE RIVERS, MI 49093-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 18, 2003
Deed Sale	Aug 18, 2003
Prior Sale	Jul 14, 2000 · Amount on Record
Deed Book / Page	1190 / 592
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	511 N MAIN ST, THREE RIVERS, MI 49093-1426
Transaction Type	Mortgage
Record Updated	Mar 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 N MAIN ST, THREE RIVERS, MI 49093-1426
Investor	Possibly a Property Investor

Mortgage

Document Number	2024001396
Date	Mar 5, 2024
Instrument	2024001396

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	511 N MAIN ST, THREE RIVERS, MI 49093-1426
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021005794
Date	Jun 2, 2021
Instrument	2021005794

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

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		$85,800 (+39.06%)	$171,600 (+39.06%)
2025	$1,228.00 (-25.26%) Homeowner's exemption
2023		$61,700 Land $3,000 Building $58,700	$123,400 Land $6,000 Building $117,400
2022	$1,643.00

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
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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Air Wireless Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Broadband Fixed Wireless	150 / 20

May also be available: T-Mobile USA.

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