56012 Ruggle's Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 56012 Ruggle's Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2,649 sqft · built 1980
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Mar 2024)
Tax Bill	$1,814 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-003-002-10`

Property Details

APN / Parcel Number

Primary APN	`004-003-002-10`

Interior

Building Area	2,649 sqft Building Perimeter

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	435,600 sqft (10 acres)
Lot Dimensions	250 ft deep x 250 ft wide

Location & Zoning

Street Address	56012 RUGGLES RD
City	THREE RIVERS
State	MI
Zip	49093-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 330 FT OF W 1/2 NE FRL 1/4 SEC 3 T6S R12W. 10 A. (SPLIT FR/ 004-003-002-00 FOR 2018)
Legal Range	12W
Legal Township	06S
Legal Section	03
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1002
Census Tract	41102

Owner

56012 Ruggle's Rd is owned and occupied by an individual who bought it in March 2024.

Source: St. Joseph County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Mar 28, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jul 31, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP
Jan 18, 2022	Warranty Deed, Transfer · Closed-End Mortgage THE ANTWERP EXCHANGE BANK CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2024 · Amount on File
Deed Sale	Mar 18, 2024 · Amount on File
Prior Sale	Jan 18, 2022 · Amount on File
Prior Transfer Date	May 18, 2012
Prior Transfer Doc	01655/0413
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 18, 2024
Property Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754
Document Number	2024001705
Instrument Date	Mar 15, 2024
Instrument	2024001705
Transaction Type	Transfer
Record Updated	Apr 3, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754

Mortgage

Document Number	2024001706
Date	Mar 18, 2024
Instrument	2024001706

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754

Mortgage

Document Number	2022008242
Date	Sep 19, 2022
Instrument	2022008242

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754

Mortgage

Document Number	2022002608
Date	Mar 28, 2022
Instrument	2022002608

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01879/0406
Date	Jul 31, 2017
Book Page	1879/0406

Lender

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

Agreement

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

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 18, 2022
Property Address	56012 RUGGLES RD, THREE RIVERS, MI 49093-9754
Document Number	2022000542
Instrument Date	Jan 10, 2022
Instrument	2022000542
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,698.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56012 RUGGLES RD, 56012, THREE RIVERS, MI 49093-9754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9380 ROAD 176, PAULDING, OH 45879-8733

Mortgage

Date	Jan 18, 2022

Lender

Name	THE ANTWERP EXCHANGE BANK CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 5, 2023

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	Fabius Township
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,100 (+15.66%)	$400,200 (+15.66%)
2025	$1,814.00 Homeowner's exemption	$173,000 (+51.75%) Land $44,200 Building $128,800	$346,000 (+51.75%) Land $88,400 Building $257,600
2023		$114,000 Land $31,100 Building $82,900	$228,000 Land $62,200 Building $165,800

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

FEMA maps place 56012 Ruggle's Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 56012 Ruggle's Rd is low, with a 0.01% annual chance of 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 7 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ruggle's Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures