609 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 609 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,904 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,892 (2025)
Deeds & Mortgages	Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051-150-003-00`

Property Details

APN / Parcel Number

Primary APN	`051-150-003-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	992 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	124 ft deep x 56.6 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 ELM ST
City	THREE RIVERS
State	MI
Zip	49093-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 3 BLK 1. POPLAR PLACE SUB-DIV. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3019
Census Tract	40100

Owner

Source: St. Joseph County records · APN 051-150-003-00

Assessment roll updated July 24, 2026 · Last verified August 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	609 ELM ST, THREE RIVERS, MI 49093-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Book / Page	647 / 438
Last Transfer Date	Aug 17, 2022
Transfer Doc	2022007434
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 22, 2022
Property Address	609 ELM ST, THREE RIVERS, MI 49093-1418
Document Number	2022007434
Map Reference	LB 1 PG 24
Instrument Date	Aug 17, 2022
Instrument	2022007434
Transaction Type	Transfer
Record Updated	Sep 05, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	609 ELM ST, THREE RIVERS, MI 49093-1418

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,100 (+8.24%) Land $3,500 Building $101,600	$210,200 (+8.24%) Land $7,000 Building $203,200
2025	$2,892.00 (+13.37%) Homeowner's exemption	$97,100 (+27.6%) Land $3,500 Building $93,600	$194,200 (+27.6%) Land $7,000 Building $187,200
2023		$76,100 Land $2,500 Building $73,600	$152,200 Land $5,000 Building $147,200
2022	$2,551.00

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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)
Surf Air Wireless Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Broadband Fixed Wireless	150 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 233 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	THREE RIVERS serves 7,905 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.