56844 Ruggle's Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 56844 Ruggle's Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,507 sqft · built 1900
Lot Size	1.47 acres (64,033 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,000 (Apr 2017)
Tax Bill	$708 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-003-011-01`

Property Details

APN / Parcel Number

Primary APN	`004-003-011-01`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,507 sqft Living Area
1st Floor Area	1,156 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	64,033 sqft (1.47 acres)
Lot Dimensions	190 ft deep x 336 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	56844 RUGGLES RD
City	THREE RIVERS
State	MI
Zip	49093-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM SW COR E 1/2 SE 1/4 SEC 3 T6S R12W TH S 89D 23M E 80.48 FT TO C/L OF RUGGLES RD TH N ALG C/L 746.36 FT TO POB TH N 89D 20
Legal Range	12W
Legal Township	06S
Legal Section	03
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1003
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	56844 RUGGLES RD, THREE RIVERS, MI 49093-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Apr 19, 2017	Warranty Deed, Transfer · FHA Mortgage MEMBER FIRST MORTGAGE LLC
Apr 19, 2017	Quit Claim Deed, Transfer PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2017 · Amount on Record
Deed Sale	Apr 19, 2017 · Amount on Record
Prior Sale	Feb 7, 2003 · Amount on Record
Deed Book / Page	1866 / 855
Prior Transfer Date	Jul 11, 2005
Prior Transfer Doc	1339/0324
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	56844 RUGGLES RD, THREE RIVERS, MI 49093-9713
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56844 RUGGLES RD, THREE RIVERS, MI 49093-9713

Mortgage

Document Number	2022007573
Date	Aug 26, 2022
Instrument	2022007573

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 12, 2042

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 19, 2017
Property Address	56844 RUGGLES RD, THREE RIVERS, MI 49093-9713
Document Number	1866/0855
Book / Page	1866 / 0855
Instrument Date	Apr 13, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OFF

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56844 RUGGLES RD, 56844, THREE RIVERS, MI 49093-9713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 141, CENTREVILLE, MI 49032-0141

Mortgage

Document Number	18660859
Date	Apr 19, 2017
Instrument	1866/0859

Lender

Name	MEMBER FIRST MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 19, 2017
Property Address	56844 RUGGLES RD, THREE RIVERS, MI 49093-9713
Document Number	1866/0857
Book / Page	1866 / 0857
Instrument Date	Apr 3, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56844 RUGGLES RD, 56844, THREE RIVERS, MI 49093-9713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 141, CENTREVILLE, MI 49032-0141

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		$116,800 (+12.74%)	$233,600 (+12.74%)
2025	$708.00 Homeowner's exemption	$103,600 (+25.12%) Land $16,700 Building $86,900	$207,200 (+25.12%) Land $33,400 Building $173,800
2023		$82,800 Land $7,300 Building $75,500	$165,600 Land $14,600 Building $151,000

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 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

Cell Coverage

5G and 4G LTE (outdoors only)

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