St. Joseph County property record for 608 Oak St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 985 sqft · built 1976 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Nov 2020) |
| Tax Bill | $2,588 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-352-00 |
| Primary APN | 051-145-352-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 985 sqft Living Area |
| 1st Floor Area | 788 sqft |
| Basement Area | 788 sqft |
| Unfinished Basement | 901 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 98 ft deep x 68 ft wide |
| Garage Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 608 OAK ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 9 BLK 35 EXC RR GROUNDS ALSO SLY 10 FT LYING E OF RR EXC S 1.50 FT OF E 42 FT LOT 9. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 35 |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 40100 |
Source: St. Joseph County records, as of July 24, 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 | 608 OAK ST, THREE RIVERS, MI 49093-2404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| May 31, 2018 | Warranty Deed, Transfer · VA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on Record |
| Deed Sale | Nov 19, 2020 · Amount on Record |
| Prior Sale | May 31, 2018 · Amount on Record |
| Deed Document Number | 20207695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 19, 2020 |
| Property Address | 608 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 2020007695 |
| Map Reference | LB F PG 28 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 2020007695 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $862.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 608 OAK ST, 608, THREE RIVERS, MI 49093-2404 |
| Name | Verified Name |
|---|---|
| Address | 608 OAK ST, THREE RIVERS, MI 49093-2404 |
| Date | Nov 19, 2020 |
|---|
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | May 31, 2018 |
| Property Address | 608 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 01917/0658 |
| Book / Page | 1917 / 0658 |
| Map Reference | LB F PG28 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | NATIONS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $799.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 608 OAK ST, 608, THREE RIVERS, MI 49093-2404 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 301 LOREN AVE, THREE RIVERS, MI 49093-2828 |
| Document Number | 0001917660 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 1917/660 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| 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 | $77,400 (+39.71%) Land $3,700 Building $73,700 | $154,800 (+39.71%) Land $7,400 Building $147,400 | |
| 2025 | $2,588.00 (+13.41%) Homeowner's exemption | ||
| 2023 | $55,400 Land $3,100 Building $52,300 | $110,800 Land $6,200 Building $104,600 | |
| 2022 | $2,282.00 |
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.
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 Claims | 1 (2008) |
| Most Recent Claim | Sep 2008 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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