512 Walnut St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 512 Walnut St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,198 sqft · built 1914
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Nov 2020)
Tax Bill	$2,235 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-145-217-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-217-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,198 sqft Living Area
1st Floor Area	1,256 sqft
Basement Area	900 sqft
Unfinished Basement	954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	512 WALNUT ST
City	THREE RIVERS
State	MI
Zip	49093-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	S 33 FT OF LOT 10 & N 33 FT OF LOT 11 BLK 20. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	20
Legal Lot Number	10-11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3014
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	512 WALNUT ST, THREE RIVERS, MI 49093-1434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jul 5, 2019	Deed of Trust, Mortgage · Line of Credit ADVIA CU
Apr 9, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Nov 18, 2013 · Amount on Record
Deed Document Number	20207906
Prior Transfer Date	Apr 14, 2005
Prior Transfer Doc	1306/0694
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 30, 2020
Property Address	512 WALNUT ST, THREE RIVERS, MI 49093-1434
Document Number	2020007906
Map Reference	LB F PG 28
Instrument Date	Oct 16, 2020
Instrument	2020007906
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	512 WALNUT ST, 512, THREE RIVERS, MI 49093-1434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 LANGE ST, OAK HARBOR, WA 98277-9224

Mortgage

Date	Nov 30, 2020

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	512 WALNUT ST, THREE RIVERS, MI 49093-1434
Transaction Type	Mortgage
Record Updated	Jul 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1965/0360
Date	Jul 5, 2019
Book Page	1965/0360

Lender

Name	ADVIA CU
Type	Credit Union
Address	KALAMAZOO, MI 49004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 4, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 9, 2018
Property Address	512 WALNUT ST, THREE RIVERS, MI 49093-1434
Document Number	1909/0680
Book / Page	1909 / 0680
Map Reference	LB01 PG68
Instrument Date	Apr 9, 2018
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3608 E 13 MILE RD, 3608, PARIS, MI 49338-9624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 WALNUT ST, THREE RIVERS, MI 49093-1434
Investor	Possibly a Property Investor

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		$99,200 (+7.71%)	$198,400 (+7.71%)
2025	$2,235.00 (-25.3%) Homeowner's exemption	$92,100 (+27.21%) Land $4,200 Building $87,900	$184,200 (+27.21%) Land $8,400 Building $175,800
2023		$72,400 Land $3,000 Building $69,400	$144,800 Land $6,000 Building $138,800
2022	$2,992.00

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.

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

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 233 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: T-Mobile.

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