St. Joseph County property record for 606 Millard St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1957 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $197,000 (Jul 2026) |
| Tax Bill | $1,393 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-320-036-00 |
| Primary APN | 051-320-036-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 139 ft deep x 65 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 606 MILLARD ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOTS 84-85 & E 15 FT OF LOT 86 FAIRBANKS ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Lot Number | 84-85 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 40300 |
606 Millard St is owned and occupied by an individual who bought it in July 2026.
Source: St. Joseph County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1125 W MICHIGAN AVE, THREE RIVERS, MI 49093-2162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage EAST COAST CAPITAL |
| Sep 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on File |
| Deed Sale | Jul 2, 2026 · Amount on File |
| Prior Sale | Sep 3, 2021 · Amount on File |
| Deed Document Number | 20265392 |
| Prior Transfer Date | Apr 5, 2012 |
| Prior Transfer Doc | 1654/0453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 2, 2026 |
| Property Address | 606 MILLARD ST, THREE RIVERS, MI 49093-2145 |
| Document Number | 0000005392 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 20265392 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | ACURA TITLE, ACRISURE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149,227.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000005393, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 20265393 |
| Name | EAST COAST CAPITAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 3, 2021 |
| Property Address | 606 MILLARD ST, THREE RIVERS, MI 49093-2145 |
| Document Number | 2021008964 |
| Map Reference | LB 2 PG 5 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 2021008964 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,012.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 WEBSTER ST, 425, TRAVERSE CITY, MI 49686-2649 |
| Name | Verified Name |
|---|---|
| Address | 61819 COUNTY LINE RD, THREE RIVERS, MI 49093-9237 |
| Date | Sep 3, 2021 |
|---|
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 606 Millard St was $1,393 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of August 11, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,900 (+4.51%) | $129,800 (+4.51%) | |
| 2025 | $1,393.00 Homeowner's exemption | $62,100 Land $4,000 Building $58,100 | $124,200 Land $8,000 Building $116,200 |
| 2023 | $46,800 Land $2,600 Building $44,200 | $93,600 Land $5,200 Building $88,400 | |
| 2022 | $1,864.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 606 Millard St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2008.
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 | 3 in force |
| Nearby Flood Claims | 3 (2008–2018) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Feb 2018 · 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 risk around 606 Millard St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 340 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 |
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