56030 Shady Ln, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 56030 Shady Ln, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,680 sqft · built 1994
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$224,900 (Apr 2017)
Tax Bill	$1,242 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Apr 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`004-360-003-00`

Property Details

APN / Parcel Number

Primary APN	`004-360-003-00`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,680 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	64,469 sqft (1.48 acres)
Lot Dimensions	400 ft deep x 110 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	56030 SHADY LN
City	THREE RIVERS
State	MI
Zip	49093-8923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 SHADY BROOK SUB NO. 3 SEC 1 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	01
Legal Subdivision	SHADY BROOK SUB
Legal Lot Number	34
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1003
Census Tract	40100

Owner

56030 Shady Ln is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	56030 SHADY LN, THREE RIVERS, MI 49093-8923
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Apr 4, 2017	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2017 · Amount on File
Deed Sale	Apr 4, 2017 · Amount on File
Deed Book / Page	1864 / 430
Prior Transfer Date	Dec 10, 2012
Prior Transfer Doc	1681/0741
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	56030 SHADY LN, THREE RIVERS, MI 49093-8923
Transaction Type	Mortgage
Record Updated	Mar 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1997/885
Date	Feb 27, 2020
Book Page	1997/885

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 4, 2017
Property Address	56030 SHADY LN, THREE RIVERS, MI 49093-8923
Document Number	1864/0430
Book / Page	1864 / 0430
Map Reference	LB4 PG102
Instrument Date	Mar 29, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3100 ROCKWATER CIR, 3100, MYRTLE BEACH, SC 29588-2952

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6415 WOODLEA DR, KALAMAZOO, MI 49048-6139

Mortgage

Document Number	18640433
Date	Apr 4, 2017
Instrument	1864/0433

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 56030 Shady Ln was $1,242 with a homeowner's exemption.

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		$213,600 (+5.48%)	$427,200 (+5.48%)
2025	$1,242.00 Homeowner's exemption	$202,500 Land $19,600 Building $182,900	$405,000 Land $39,200 Building $365,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 56030 Shady Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · river or lake flooding

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 56030 Shady Ln is low, with less than 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 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications, T-Mobile.

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