St. Joseph County property record for 514 Elm St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,424 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,500 (Aug 2022) |
| Tax Bill | $2,145 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-227-00 |
| Primary APN | 051-145-227-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 872 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 514 ELM ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 9 BLK 21. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 21 |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 40100 |
Source: St. Joseph County records, as of July 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 514 ELM ST, THREE RIVERS, MI 49093-1417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2022 · Amount on Record |
| Deed Sale | Aug 26, 2022 · Amount on Record |
| Prior Sale | Oct 5, 2016 · Amount on Record |
| Deed Document Number | 20227550 |
| Prior Transfer Date | Jan 25, 2006 |
| Prior Transfer Doc | 1355/0543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 26, 2022 |
| Property Address | 514 ELM ST, THREE RIVERS, MI 49093-1417 |
| Document Number | 2022007550 |
| Map Reference | LB F PG 28 |
| Instrument Date | Aug 24, 2022 |
| Instrument | 2022007550 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | EVONS TITLE, DEVON TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $866.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 ELM ST, 514, THREE RIVERS, MI 49093-1417 |
| Name | Verified Name |
|---|---|
| Address | 26370 M 86, STURGIS, MI 49091-9319 |
| Date | Aug 26, 2022 |
|---|
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 | $61,600 (+40.96%) Land $4,200 Building $57,400 | $123,200 (+40.96%) Land $8,400 Building $114,800 | |
| 2025 | $2,145.00 (+42.62%) Homeowner's exemption | ||
| 2023 | $43,700 Land $3,000 Building $40,700 | $87,400 Land $6,000 Building $81,400 | |
| 2022 | $1,504.00 |
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 | 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 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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