57205 Cowling Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 57205 Cowling Rd, Three Rivers, MI 49093 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,352 sqft · built 1968
Lot Size	2.98 acres (129,809 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (Jul 2020)
Tax Bill	$2,796 (2025)
Deeds & Mortgages	Apr 2018 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-006-016-20`

Property Details

APN / Parcel Number

Primary APN	`009-006-016-20`

Interior

Full Baths	2 Baths
Building Area	1,352 sqft Building Perimeter
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft
Unfinished Basement	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	129,809 sqft (2.98 acres)
Lot Dimensions	360 ft deep x 360 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	57205 COWLING RD
City	THREE RIVERS
State	MI
Zip	49093-9784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SEC 6 T6S R11W TH E ALG S LN SD SEC 735 FT TO POB TH N 360 FT TH E 360 FT TH S 360 FT TH W 360 FT TO POB. SUBJ TO
Legal Range	11W
Legal Township	06S
Legal Section	06
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	1
Census Block	1000
Census Tract	40100

Owner

Source: St. Joseph County records · APN 009-006-016-20

Assessment roll updated July 24, 2026 · Last verified August 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 File
Mailing Address	57205 COWLING RD, THREE RIVERS, MI 49093-9784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 06, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 06, 2020 · Amount on Record
Deed Sale	Jul 06, 2020 · Amount on Record
Deed Document Number	20202944
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	57205 COWLING RD, THREE RIVERS, MI 49093-9784
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1909/0381
Date	Apr 05, 2018
Book Page	1909/0381

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2033

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	57205 COWLING RD, THREE RIVERS, MI 49093-9784
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1916/0735
Date	May 23, 2018
Book Page	1916/0735

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2033

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 06, 2020
Property Address	57205 COWLING RD, THREE RIVERS, MI 49093-9784
Document Number	2020002944
Instrument Date	Jun 23, 2020
Instrument	2020002944
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,342.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	57205 COWLING RD, 57205, THREE RIVERS, MI 49093-9784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69611 SUNSET BLVD, UNION, MI 49130-9722

Mortgage

Date	Jul 06, 2020

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Lockport Township
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$135,200 Land $22,300 Building $112,900	$270,400 Land $44,600 Building $225,800
2025	$2,796.00 Homeowner's exemption

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 35 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

May also be available at this address: Frontier, Verizon, Mercury Broadband, T-Mobile USA, Midwest Energy Cooperative. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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