60709 Lutz Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 60709 Lutz Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,156 sqft
Lot Size	38.4 acres (1,673,575 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2018)
Tax Bill	$4,579 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jun 2020 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`009-029-012-01`

Property Details

APN / Parcel Number

Primary APN	`009-029-012-01`

Interior

Full Baths	1 Bath
Building Area	2,156 sqft Building Perimeter
1st Floor Area	1,148 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Lot Area	1,673,575 sqft (38.4 acres)
Lot Dimensions	300 ft deep x 250 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	60709 LUTZ RD
City	THREE RIVERS
State	MI
Zip	49093-9310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PT OF NW 1/4 OF SW 1/4 SEC 29 T6S R11W LYING S OF HWY. EXC RR R/W.
Legal Range	11W
Legal Township	06S
Legal Section	29
Jurisdiction	ST JOSEPH MI
Township / Civil Division	LOCKPORT
Census Block Group	2
Census Block	2024
Census Tract	41200

Owner

60709 Lutz Rd is owned and occupied by two individuals who bought it in June 2018.

Source: St. Joseph County records, as of July 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jun 30, 2020	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Aug 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK
May 15, 2017	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
Jun 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK
Jun 20, 2018	Warranty Deed, Transfer · ARM HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Oct 9, 2012 · Amount on File
Deed Book / Page	1920 / 49
Prior Transfer Date	Sep 19, 2012
Prior Transfer Doc	1670/0691
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310

Mortgage

Document Number	2023000109
Date	Aug 7, 2023
Instrument	2023000109

Lender

Name	HORIZON BANK
Type	Bank
Address	PONETO, IN 46781

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Jun 13, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60709 LUTZ RD THREE, 3, THREE RIVERS, MI 49093-9310

Mortgage

Document Number	2020002825
Date	Jun 30, 2020
Instrument	2020002825

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 16, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310

Mortgage

Document Number	2020001641
Date	May 13, 2020
Instrument	2020001641

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01927/0275
Date	Aug 14, 2018
Book Page	1927/0275

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	298 Months
Due	Jun 13, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01869/0912
Date	May 15, 2017
Book Page	1869/0912

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01920/0068
Date	Jun 20, 2018
Book Page	1920/0068

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 13, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 20, 2018
Property Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310
Document Number	01920/0049
Book / Page	1920 / 0049
Instrument Date	Jun 13, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE OFF

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,537.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60709 LUTZ RD, 60709, THREE RIVERS, MI 49093-9310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60709 LUTZ RD, THREE RIVERS, MI 49093-9310

Mortgage

Document Number	0000192051
Date	Jun 20, 2018
Instrument	1920/51

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 60709 Lutz Rd was $4,579 with a homeowner's exemption.

Source: St. Joseph County assessment roll, as of July 24, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,100 (+4.61%) Land $109,000 Building $143,100	$504,200 (+4.61%) Land $218,000 Building $286,200
2025	$4,579.00 Homeowner's exemption	$241,000 Land $125,000 Building $116,000	$482,000 Land $250,000 Building $232,000

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

Flood

FEMA maps place 60709 Lutz Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 60709 Lutz Rd 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	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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications, Verizon.

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