56847 Ruggle's Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 56847 Ruggle's Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,776 sqft · built 1997
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,550 (Jun 2023)
Tax Bill	$870 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-003-011-10`

Property Details

APN / Parcel Number

Primary APN	`004-003-011-10`

Interior

Full Baths	2 Baths
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Mobile Home
Lot Area	57,499 sqft (1.32 acres)
Lot Dimensions	180 ft deep x 320 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	56847 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 E 80.48 FT TO C/L OF RUGGLES RD TH N 662.1 FT TO POB TH E 160 FT TH N 315.3 FT TH W
Legal Range	12W
Legal Township	06S
Legal Section	03
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1010
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	56847 RUGGLES RD, THREE RIVERS, MI 49093-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage OMNI COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on Record
Deed Sale	Jun 22, 2023 · Amount on Record
Prior Sale	Jun 29, 1999
Deed Document Number	20234584
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 22, 2023
Property Address	56847 RUGGLES RD, THREE RIVERS, MI 49093-9713
Document Number	2023004584
Instrument Date	Jun 16, 2023
Instrument	2023004584
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	NOT AVAILABLE, ELEVATE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,432.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56847 RUGGLES RD, THREE RIVERS, MI 49093-9713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	201 S CONSTANTINE ST, THREE RIVERS, MI 49093-2108

Mortgage

Document Number	2023004585
Date	Jun 22, 2023
Instrument	2023004585

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	56847 RUGGLES RD, THREE RIVERS, MI 49093-9713
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	CALHOUN TITLE AND ESCROW AGENCY, CATHOUN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56847 RUGGLES RD, THREE RIVERS, MI 49093-9713

Mortgage

Document Number	2021007171
Date	Jul 12, 2021
Instrument	2021007171

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union
Address	BATTLE CREEK, MI 49015

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

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		$100,500 (+69.76%)	$201,000 (+69.76%)
2025	$870.00 Homeowner's exemption
2023		$59,200 Land $6,900 Building $52,300	$118,400 Land $13,800 Building $104,600

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	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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