604 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 604 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 960 sqft · built 1930
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$66,000 (Aug 2019)
Tax Bill	$943 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051-145-242-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-242-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	656 sqft
Basement Area	608 sqft
Unfinished Basement	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	66 ft deep x 52 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 ELM ST
City	THREE RIVERS
State	MI
Zip	49093-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	N 52 FT OF E 66 FT OF LOT 11 BLK 22. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	22
Legal Lot Number	11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3020
Census Tract	40100

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	Individual Name on Record
Mailing Address	604 ELM ST, THREE RIVERS, MI 49093-1419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Mar 27, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2019 · Amount on Record
Deed Sale	Aug 8, 2019 · Amount on Record
Prior Sale	Jul 16, 2009 · Amount on Record
Deed Book / Page	1969 / 891
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	1952/0312
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 8, 2019
Property Address	604 ELM ST, THREE RIVERS, MI 49093-1419
Document Number	01969/0891
Book / Page	1969 / 0891
Map Reference	LB 1 PG 68
Instrument Date	Jul 31, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3711 MULLER DR, 3711, ZEPHYRHILLS, FL 33540-6529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 S GRAND ST APT 2, 2, SCHOOLCRAFT, MI 49087-9310

Mortgage

Document Number	0001969893
Date	Aug 8, 2019
Instrument	1969/893

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 27, 2019
Property Address	604 ELM ST, THREE RIVERS, MI 49093-1419
Document Number	1952/0312
Book / Page	1952 / 0312
Instrument Date	Mar 27, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 8TH ST, 104, THREE RIVERS, MI 49093

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3711 MULLER DR, ZEPHYRHILLS, FL 33540-6529

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,300 (+36.86%)	$90,600 (+36.86%)
2025	$943.00 (-25.28%) Homeowner's exemption
2023		$33,100 Land $2,300 Building $30,800	$66,200 Land $4,600 Building $61,600
2022	$1,262.00

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
Nearby Flood Claims	5 (1982–2020)
Most Recent Claim	May 2020 · river or lake flooding

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	THREE RIVERS serves 7,905 people · EPA ID MI0006610
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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