55531 Ruggle's Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 55531 Ruggle's Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft
Lot Size	4.36 acres (189,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Aug 2021)
Tax Bill	$884 (2025)
Deeds & Mortgages	Mar 2023 Transfer Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-034-012-10`

Property Details

APN / Parcel Number

Primary APN	`007-034-012-10`

Interior

Full Baths	2 Baths
Building Area	1,120 sqft Building Perimeter
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Lot Area	189,922 sqft (4.36 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	55531 RUGGLES RD
City	THREE RIVERS
State	MI
Zip	49093-8704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM E 1/4 COR SEC 34 T5S R12W TH N 89D 41M 09S W 843.46 FT TO POB TH S 00D 11M 22S W 378.32 FT TH N 89D 47M 39S W 482.47 FT T
Legal Range	12W
Legal Township	05S
Legal Section	34
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FLOWERFIELD
Census Block Group	1
Census Block	1000
Census Tract	41102

Owner

Source: St. Joseph County records, as of July 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	55531 RUGGLES RD, THREE RIVERS, MI 49093-8704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Intrafamily Transfer, Transfer
Aug 11, 2021	Warranty Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2021 · Amount on Record
Deed Sale	Aug 11, 2021 · Amount on Record
Prior Sale	Nov 22, 2016 · Amount on Record
Deed Document Number	20218154
Last Transfer Date	Feb 3, 2023
Transfer Doc	2023001332
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 1, 2023
Property Address	55531 RUGGLES RD, THREE RIVERS, MI 49093-8704
Document Number	2023001332
Instrument Date	Feb 3, 2023
Instrument	2023001332
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55531 RUGGLES RD, THREE RIVERS, MI 49093-8704

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 11, 2021
Property Address	55531 RUGGLES RD, THREE RIVERS, MI 49093-8704
Document Number	2021008154
Instrument Date	Aug 2, 2021
Instrument	2021008154
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55531 RUGGLES RD, THREE RIVERS, MI 49093-8704

Mortgage

Date	Aug 11, 2021

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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		$121,000 (+13.83%)	$242,000 (+13.83%)
2025	$884.00 Homeowner's exemption	$106,300 Land $27,400 Building $78,900	$212,600 Land $54,800 Building $157,800

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.

Flood

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

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.

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	Direct burnable vegetation

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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