58532 Ferguson Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 58532 Ferguson Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 704 sqft · built 1888
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$140,300 (Aug 2020)
Deeds & Mortgages	Feb 2023 Mortgage Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-015-012-01`

Property Details

APN / Parcel Number

Primary APN	`004-015-012-01`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	704 sqft Living Area
1st Floor Area	704 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 99 ft wide

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Street Address	58532 FERGUSON RD
City	THREE RIVERS
State	MI
Zip	49093-9557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM 8 RDS S OF 1/4 STAKE ON SEC LN BETW SECS 14 & 15 T6S R12W TH W 8 RDS TH S 6 RDS TH E 8 RDS TO SEC LN TH N 6 RDS TO POB. 4
Legal Range	12W
Legal Township	06S
Legal Section	14
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1020
Census Tract	41102

Owner

Source: St. Joseph County records · APN 004-015-012-01

Assessment roll updated August 11, 2025 · Last verified July 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 File
Mailing Address	58532 FERGUSON RD, THREE RIVERS, MI 49093-9557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2023	Deed of Trust, Mortgage · VA Mortgage NATIONS DIRECT MORTGAGE LLC
Aug 24, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage RUOFF MORTGAGE COMPANY INC
Apr 26, 2019	Deed of Trust, Mortgage HOMETIME 401K TRUST
Mar 18, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	20204857
Prior Transfer Date	Aug 08, 2005
Prior Transfer Doc	1323/0009
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	58532 FERGUSON RD, THREE RIVERS, MI 49093-9557
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58532 FERGUSON RD, THREE RIVERS, MI 49093-9557

Mortgage

Document Number	2023000913
Date	Feb 09, 2023
Instrument	2023000913

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2053

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 24, 2020
Property Address	58532 FERGUSON RD, THREE RIVERS, MI 49093-9557
Document Number	2020004857
Instrument Date	Aug 18, 2020
Instrument	2020004857
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,053.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2643, KALAMAZOO, MI 49003-2643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 ARBOR ST E, MARCELLUS, MI 49067-9553

Mortgage

Date	Aug 24, 2020

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	58532 FERGUSON RD, THREE RIVERS, MI 49093-9557
Transaction Type	Mortgage
Record Updated	May 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1956/0630
Date	Apr 26, 2019
Book Page	1956/0630

Lender

Name	HOMETIME 401K TRUST
Type	Non-Lending Institution
Address	SAN ANTONIO, TX 78257

Agreement

Amount	Amount Recorded

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 18, 2019
Property Address	58532 FERGUSON RD, THREE RIVERS, MI 49093-9557
Document Number	1951/0216
Book / Page	1951 / 0216
Instrument Date	Mar 01, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17565 MARCELLUS HWY, 17565, MARCELLUS, MI 49067-9445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2643, KALAMAZOO, MI 49003-2643
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 2026

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

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

Year	Assessed Value	Assessed Market Value
2026	$96,600 (+13.11%)	$193,200 (+13.11%)
2025	$85,400 Land $6,100 Building $79,300	$170,800 Land $12,200 Building $158,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy Cooperative Fiber	1,000 / 1,000

May also be available: Mercury Broadband.

Based on FCC filings for 7 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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