52049 Kern Dr, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 52049 Kern Dr, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,884 sqft
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$378,400 (Oct 2022)
Tax Bill	$4,983 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`007-050-048-00`

Property Details

APN / Parcel Number

Primary APN	`007-050-048-00`

Interior

Full Baths	2 Baths
Building Area	2,884 sqft Building Perimeter
1st Floor Area	1,442 sqft
Basement Area	1,442 sqft
Unfinished Basement	1,442 sqft

Exterior

Lot Area	31,799 sqft (0.73 acres)
Lot Dimensions	218 ft deep x 145 ft wide
Garage Area	688 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	52049 KERN DR
City	THREE RIVERS
State	MI
Zip	49093-8921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LAKE RS
Legal Description	LOT 48 PLAT OF PINEVIEW ESTATES SEC 13 T5S R12W.
Legal Range	12W
Legal Township	05S
Legal Section	13
Legal Subdivision	PINEVIEW ESTATES
Legal Lot Number	48
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FLOWERFIELD
Census Block Group	2
Census Block	2027
Census Tract	40900

Owner

Source: St. Joseph County records, as of October 20, 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	3120 NAZARETH RD, KALAMAZOO, MI 49048-2667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Oct 14, 2022	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP
Feb 20, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	Feb 20, 2019 · Amount on Record
Deed Document Number	20228929
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	52049 KERN DR, THREE RIVERS, MI 49093-8921
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52049 KERN DR, THREE RIVERS, MI 49093-8921

Mortgage

Document Number	2021010444
Date	Oct 18, 2021
Instrument	2021010444

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	52049 KERN DR, THREE RIVERS, MI 49093-8921
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52049 KERN DR, THREE RIVERS, MI 49093-8921

Mortgage

Document Number	2021010310
Date	Oct 14, 2021
Instrument	2021010310

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 14, 2022
Property Address	52049 KERN DR, THREE RIVERS, MI 49093-8921
Document Number	2022008929
Map Reference	LB 5 PG 39
Instrument Date	Oct 11, 2022
Instrument	2022008929
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,838.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52049 KERN DR, THREE RIVERS, MI 49093-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 NAZARETH RD, KALAMAZOO, MI 49048-2667

Mortgage

Document Number	2022008930
Date	Oct 14, 2022
Instrument	2022008930

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 20, 2019
Property Address	52049 KERN DR, THREE RIVERS, MI 49093-8921
Document Number	01948/0764
Book / Page	1948 / 0764
Map Reference	LB 5 PG 39
Instrument Date	Feb 15, 2019
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	PATRICK ABSTRACT AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52049 KERN DR, THREE RIVERS, MI 49093-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13770 N RIVER RD, CONSTANTINE, MI 49042-9603

Mortgage

Document Number	0001948766
Date	Feb 20, 2019
Instrument	1948/766

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Flowerfield Township
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,000 Land $13,600 Building $177,400	$382,000 Land $27,200 Building $354,800
2025	$4,983.00 Homeowner's exemption

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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