55649 Ruggle's Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 55649 Ruggle's Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,512 sqft
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Jul 2017)
Tax Bill	$843 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-034-012-30`

Property Details

APN / Parcel Number

Primary APN	`007-034-012-30`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,512 sqft Building Perimeter
1st Floor Area	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	53,579 sqft (1.23 acres)

Location & Zoning

Street Address	55649 RUGGLES RD
City	THREE RIVERS
State	MI
Zip	49093-8705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LAKE RS
Legal Description	COM NW COR OF NE 1/4 SE 1/4 SEC 34 T5S R12W TH SLY 643 FT TO POB TH SLY 270 FT TH ELY 198 FT TH NLY 270 FT TH WLY 198 FT TO P
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 24, 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	55649 RUGGLES RD, THREE RIVERS, MI 49093-8705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 26, 2017	Personal Representative Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2017 · Amount on Record
Deed Sale	Jul 26, 2017 · Amount on Record
Prior Sale	Mar 12, 2012 · Amount on Record
Deed Book / Page	1878 / 922
Prior Transfer Date	May 1, 2000
Prior Transfer Doc	1384000304
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	55649 RUGGLES RD, THREE RIVERS, MI 49093-8705
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55649 RUGGLES RD, THREE RIVERS, MI 49093-8705

Mortgage

Document Number	2022009319
Date	Oct 31, 2022
Instrument	2022009319

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	55649 RUGGLES RD, THREE RIVERS, MI 49093-8705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008476
Date	Dec 10, 2020
Instrument	2020008476

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Sep 1, 2047

July 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 26, 2017
Property Address	55649 RUGGLES RD, THREE RIVERS, MI 49093-8705
Document Number	1878/0922
Book / Page	1878 / 0922
Instrument Date	Jul 2, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69405 THOMAS RD, WHITE PIGEON, MI 49099-9454

Mortgage

Document Number	18780923
Date	Jul 26, 2017
Instrument	1878/0923

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$44,500 Land $8,000 Building $36,500	$89,000 Land $16,000 Building $73,000
2025	$843.00 Homeowner's exemption

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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