St. Joseph County property record for 516 Forest St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,035 sqft · built 1920 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $164,000 (May 2026) |
| Tax Bill | $1,369 (2025) |
| Deeds & Mortgages | Oct 2020 Line of Credit Oct 2025 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-210-017-00 |
| Primary APN | 051-210-017-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,035 sqft Living Area |
| 1st Floor Area | 828 sqft |
| Basement Area | 828 sqft |
| Unfinished Basement | 828 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Ranch |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Area | 632 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 516 FOREST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1858 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOTS 7, 8 & 9 BLK 2 BANKERS ADD. CITY OF 3 RIVERS. |
| Legal Subdivision | BANKERS ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 7-9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 40200 |
Source: St. Joseph County records · APN 051-210-017-00
Assessment roll updated August 11, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Oct 08, 2025 | Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST |
| Jul 06, 2010 | Deed of Trust, Mortgage GARY E METZ |
| Feb 19, 2008 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| May 07, 2026 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE |
| Feb 18, 2026 | Quit Claim Deed, Transfer PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC |
| Jan 03, 2006 | Warranty Deed, Transfer · Conventional Mortgage AMERITRUST MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 07, 2026 · Amount on Record |
| Deed Sale | May 07, 2026 · Amount on Record |
| Prior Sale | Jun 09, 2010 · Amount on Record |
| Deed Document Number | 20263914 |
| Prior Transfer Date | May 20, 2014 |
| Prior Transfer Doc | 1745/0082 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2020006547 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 2020006547 |
| 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 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 215 HARAL ST, STURGIS, MI 49091-1932 |
| Document Number | 2025007970 |
|---|---|
| Date | Oct 08, 2025 |
| Instrument | 2025007970 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 01579/0658 |
|---|---|
| Date | Jul 06, 2010 |
| Book Page | 1579/0658 |
| Name | GARY E METZ |
|---|---|
| Type | Private Party |
| Address | PO BOX 344, CENTREVILLE, MI 49032 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Title Company | METROPLITAN TITLE, METROPOLITAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 01473/0616 |
|---|---|
| Date | Feb 19, 2008 |
| Book Page | 1473/0616 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Address | WILLIAMSTON, MI 48895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 07, 2026 |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Document Number | 0000003914 |
| Instrument Date | May 07, 2026 |
| Instrument | 2026.3914 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $124,230.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Document Number | 0000003915, |
|---|---|
| Date | May 07, 2026 |
| Instrument | 2026..3915 |
| Name | RUOFF MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000003916, |
|---|---|
| Date | May 07, 2026 |
| Instrument | 2026.3916 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 18, 2026 |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Document Number | 2026001148 |
| Instrument Date | Feb 13, 2025 |
| Instrument | 2026001148 |
| Transaction Type | Transfer |
| Record Updated | Mar 04, 2026 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 215 HARAL ST, STURGIS, MI 49091-1932 |
| Name | Verified Name |
|---|---|
| Address | 215 HARAL ST, STURGIS, MI 49091-1932 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 03, 2006 |
| Property Address | 516 FOREST ST, THREE RIVERS, MI 49093-1858 |
| Document Number | 1349/0745 |
| Book / Page | 1349 / 0745 |
| Map Reference | LB1 PG38 |
| Instrument Date | Dec 27, 2005 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $559.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19878 HOSHEL RD, 19878, CENTREVILLE, MI 49032-9710 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 331 EAST ST APT B3, B3, MENDON, MI 49072-8602 |
| Document Number | 01349/0746 |
|---|---|
| Date | Jan 03, 2006 |
| Book Page | 1349/0746 |
| Name | AMERITRUST MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | 14045 BALLANTYNE CORPORATE PL STE 101, CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.53% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Index | LIBOR |
Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $51,100 (+0.59%) | $102,200 (+0.59%) | |
| 2025 | $1,369.00 (-36.85%) | $50,800 (+33.33%) Land $8,700 Building $42,100 | $101,600 (+33.33%) Land $17,400 Building $84,200 |
| 2024 | $2,168.00 (+10.27%) | ||
| 2023 | $38,100 Land $5,600 Building $32,500 | $76,200 Land $11,200 Building $65,000 | |
| 2022 | $1,966.00 |
Source: FEMA National Flood Hazard Layer as of June 4, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 265 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | THREE RIVERS serves 7,905 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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