St. Joseph County property record for 511 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,024 sqft · built 1947 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $173,000 (Apr 2025) |
| Tax Bill | $2,955 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-186-00 |
| Primary APN | 051-145-186-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,024 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 1,024 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 168 ft deep x 66 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 511 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 3 BLK 18. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 18 |
| Legal Lot Number | 3 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 40100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 228 HEATHER LN, 4, THREE RIVERS, MI 49093-2826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 9, 2023 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 25, 2022 | Warranty Deed, Transfer · FHA Mortgage MEMBER FIRST MORTGAGE LLC |
| Dec 8, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on Record |
| Deed Sale | Apr 28, 2025 · Amount on Record |
| Prior Sale | May 9, 2023 · Amount on Record |
| Deed Document Number | 20253493 |
| Prior Transfer Date | Aug 19, 2008 |
| Prior Transfer Doc | 1497/0768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 9, 2023 |
| Property Address | 511 WEST ST, THREE RIVERS, MI 49093-2358 |
| Document Number | 2023003596 |
| Map Reference | LB 1 PG 68 |
| Instrument Date | Apr 26, 2023 |
| Instrument | 2023003596 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 511 WEST ST, THREE RIVERS, MI 49093-2358 |
| Name | Verified Name |
|---|---|
| Address | 6165 BRAVO CT, PORTAGE, MI 49002-9208 |
| Document Number | 2023003597 |
|---|---|
| Date | May 9, 2023 |
| Instrument | 2023003597 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 25, 2022 |
| Property Address | 511 WEST ST, THREE RIVERS, MI 49093-2358 |
| Document Number | 2022002585 |
| Map Reference | LB 1 PG 68 |
| Instrument Date | Mar 23, 2022 |
| Instrument | 2022002585 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,132.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 511 WEST 511 WEST STREET, 511, PORTAGE, MI 49024 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 127 W ANN ST, CENTREVILLE, MI 49032-8509 |
| Date | Mar 25, 2022 |
|---|
| Name | MEMBER FIRST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 511 WEST ST, THREE RIVERS, MI 49093-2358 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 511 WEST ST, THREE RIVERS, MI 49093-2358 |
| Document Number | 2021012373 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 2021012373 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Joseph County assessment roll, as of July 24, 2026
| 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 | $76,100 (+40.41%) Land $4,800 Building $71,300 | $152,200 (+40.41%) Land $9,600 Building $142,600 | |
| 2025 | $2,955.00 (+95.7%) Homeowner's exemption | ||
| 2023 | $54,200 Land $3,000 Building $51,200 | $108,400 Land $6,000 Building $102,400 | |
| 2022 | $1,510.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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