58456 E Clear Lake Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 58456 E Clear Lake Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,340 sqft
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Aug 2023)
Tax Bill	$2,440 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-460-035-00`

Property Details

APN / Parcel Number

Primary APN	`004-460-035-00`

Interior

Full Baths	2 Baths
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Basement Area	1,340 sqft
Unfinished Basement	1,340 sqft

Exterior

Architectural Style	Ranch
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	152 ft deep x 47 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	58456 E CLEAR LAKE RD
City	THREE RIVERS
State	MI
Zip	49093-8561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOTS 28 & 35 SUPERVISOR'S PLAT #3 SEC 17 T6S R12W. ALSO LD LYG BET LOT 35 & CLEAR LAKE BND BY SIDE LOT LN EXTNDED.
Legal Range	12W
Legal Township	06S
Legal Section	17
Legal Subdivision	SUPERVISORS PLAT #3
Legal Lot Number	28,35
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	2
Census Block	2016
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	2135 OAK HILL DR, LISLE, IL 60532-2053
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Sep 15, 2014 · Amount on Record
Deed Document Number	20235491
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	58456 E CLEAR LAKE RD, THREE RIVERS, MI 49093-8561
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 N OAK ST, ELMHURST, IL 60126-2216

Mortgage

Document Number	2020002583
Date	Jun 23, 2020
Instrument	2020002583

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 1, 2023
Property Address	58456 E CLEAR LAKE RD, THREE RIVERS, MI 49093-8561
Document Number	2023005491
Map Reference	LB 4 PG 78
Instrument Date	Jul 31, 2023
Instrument	2023005491
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	472 N OAK ST, ELMHURST, IL 60126-2216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2135 OAK HILL DR, LISLE, IL 60532-2053

Mortgage

Document Number	2023005492
Date	Aug 1, 2023
Instrument	2023005492

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Max Rate	11.2%

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		$251,700 (+35.69%)	$503,400 (+35.69%)
2025	$2,440.00
2023		$185,500 Land $49,800 Building $135,700	$371,000 Land $99,600 Building $271,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2008)
Most Recent Claim	Feb 2008 · rainfall accumulation

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	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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Mercury Fiber, Midwest Energy & Communications.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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