St. Joseph County property record for 54686 Wilbur Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,344 sqft · built 1988 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $71,000 (Oct 2017) |
| Tax Bill | $1,258 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-030-014-00 |
| Primary APN | 013-030-014-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,344 sqft Building Perimeter |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 46,174 sqft (1.06 acres) |
| Lot Dimensions | 330 ft deep x 140 ft wide |
| Garage Area | 808 sqft |
| Street Address | 54686 WILBUR RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-8800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM CEN SEC 30 T5S R11W TH S 922.25 FT TO POB TH S 140 FT TH W 330 FT TH N 140 FT TH E 330 FT TO POB. 1.06 A+/-. |
| Legal Range | 11W |
| Legal Township | 05S |
| Legal Section | 30 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | PARK |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 40900 |
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 | 54686 WILBUR RD, THREE RIVERS, MI 49093-8800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE CENTER LLC |
| Dec 20, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERIFIRST FINANCIAL CORP |
| Oct 20, 2017 | Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 20, 2017 · Amount on Record |
| Deed Sale | Oct 20, 2017 · Amount on Record |
| Prior Sale | Nov 18, 2016 · Amount on Record |
| Deed Book / Page | 1890 / 84 |
| Prior Transfer Date | Nov 2, 2016 |
| Prior Transfer Doc | 1848/0140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 22, 2026 |
| Property Address | 54686 WILBUR RD, THREE RIVERS, MI 49093-8800 |
| Document Number | 0000005948 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 20265948 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 54686 WILBUR RD, THREE RIVERS, MI 49093-8800 |
| Document Number | 0000005948, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 20265948 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 54686 WILBUR RD, THREE RIVERS, MI 49093-8800 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 54686 WILBUR RD, THREE RIVERS, MI 49093-8800 |
| Document Number | 2021012816 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021012816 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 20, 2017 |
| Property Address | 54686 WILBUR RD, THREE RIVERS, MI 49093-8800 |
| Document Number | 1890/0084 |
| Book / Page | 1890 / 0084 |
| Instrument Date | Oct 4, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NATL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 54686 WILBUR RD, 54686, THREE RIVERS, MI 49093-8800 |
| Name | Verified Name |
|---|---|
| Address | 13845 MARCELLUS HWY, MARCELLUS, MI 49067-9731 |
| Document Number | 18900085 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 1890/0085 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Park Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,600 (+9.86%) Land $9,800 Building $54,800 | $129,200 (+9.86%) Land $19,600 Building $109,600 | |
| 2025 | $1,258.00 Homeowner's exemption | $58,800 Land $9,800 Building $49,000 | $117,600 Land $19,600 Building $98,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Midwest Energy & Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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