St. Joseph County property record for 521 Walnut St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 984 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $42,000 (May 2017) |
| Tax Bill | $903 (2025) |
| Deeds & Mortgages | May 2017 Sale & Mortgage Apr 2007 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-223-00 |
| Primary APN | 051-145-223-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 984 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 888 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 521 WALNUT ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1433 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 5 BLK 21. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 21 |
| Legal Lot Number | 5 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 40100 |
Source: St. Joseph County records · APN 051-145-223-00
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 | 521 WALNUT ST, THREE RIVERS, MI 49093-1433 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2017 | Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK NA |
| Apr 26, 2007 | Warranty Deed, Transfer · Seller Carry-Back FIRST SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2017 · Amount on Record |
| Deed Sale | May 12, 2017 · Amount on Record |
| Prior Sale | Apr 03, 2012 · Amount on Record |
| Deed Book / Page | 1869 / 767 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 12, 2017 |
| Property Address | 521 WALNUT ST, THREE RIVERS, MI 49093-1433 |
| Document Number | 1869/0767 |
| Book / Page | 1869 / 0767 |
| Map Reference | LB1 PG68 |
| Instrument Date | May 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | WEST MI REALTORS TITLE, WEST MI REALTORS TITLE COM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $361.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 WEST ST, 110, THREE RIVERS, MI 49093-2280 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 521 WALNUT ST, THREE RIVERS, MI 49093-1433 |
| Document Number | 18690770 |
|---|---|
| Date | May 12, 2017 |
| Instrument | 1869/0770 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 01, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 26, 2007 |
| Property Address | 521 WALNUT ST, THREE RIVERS, MI 49093-1433 |
| Document Number | 01433/0447 |
| Book / Page | 1433 / 0447 |
| Map Reference | LB F PG28 |
| Instrument Date | Apr 16, 2007 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Title Company | MGB TITLE SERVICES, MBT TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $571.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 PORTAGE AVE, THREE RIVERS, MI 49093-1554 |
| Name | Verified Name |
|---|---|
| Address | 7229 HENRY HARRIS RD, LANCASTER, SC 29720-9773 |
| Document Number | 0014330448 |
|---|---|
| Date | Apr 26, 2007 |
| Instrument | 1433/0448 |
| Name | FIRST SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Index | 1-Year T-Bill |
| Max Rate | 13% |
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 and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $47,100 (+37.32%) | $94,200 (+37.32%) | |
| 2025 | $903.00 (-25.25%) Homeowner's exemption | ||
| 2023 | $34,300 Land $3,000 Building $31,300 | $68,600 Land $6,000 Building $62,600 | |
| 2022 | $1,208.00 |
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 | 1 in force |
| Nearby Flood Claims | 5 (1982–2020) |
| Most Recent Claim | May 2020 · river or lake flooding |
| 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 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 |
May also be available: T-Mobile USA.
Based on FCC filings for 233 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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