St. Joseph County property record for 512 Bell St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 884 sqft · built 1900 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $955 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-210-006-00 |
| Primary APN | 051-210-006-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 884 sqft Living Area |
| 1st Floor Area | 692 sqft |
| Basement Area | 692 sqft |
| Unfinished Basement | 692 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 512 BELL ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 7 BLK 1 BANKERS ADD. CITY OF 3 RIVERS. |
| Legal Subdivision | BANKERS ADD. CITY OF 3 RIVERS |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 40200 |
512 Bell St is owned and occupied by an individual who acquired it in May 2010.
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 512 BELL ST, THREE RIVERS, MI 49093-1859 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2000 |
| Deed Sale | Dec 27, 2000 |
| Prior Sale | May 16, 1993 |
| Deed Book / Page | 964 / 810 |
| Last Transfer Date | May 10, 2010 |
| Transfer Doc | 1578/0474 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 512 BELL ST, THREE RIVERS, MI 49093-1859 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2018 |
| Name | Verified Name |
|---|
| Document Number | 1933/0088 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 1933/0088 |
| Name | KELLOGG COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49016 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Sep 30, 2028 |
The 2025 property tax bill for 512 Bell St was $955 with a homeowner's exemption.
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 | $39,200 (-3.92%) Land $3,000 Building $36,200 | $78,400 (-3.92%) Land $6,000 Building $72,400 | |
| 2025 | $955.00 Homeowner's exemption | $40,800 Land $2,900 Building $37,900 | $81,600 Land $5,800 Building $75,800 |
| 2023 | $29,300 Land $1,900 Building $27,400 | $58,600 Land $3,800 Building $54,800 | |
| 2022 | $842.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 Bell St in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1982.
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 | 9 in force |
| Nearby Flood Claims | 46 (1982–2018) |
| Claims Outside the SFHA | 2 of 46 |
| Most Recent Claim | Feb 2018 · tidal / storm surge |
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.
The area around 512 Bell St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 265 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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