St. Joseph County property record for 610 N Main St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,256 sqft · built 1905 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,000 (Nov 2018) |
| Tax Bill | $1,876 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-284-00 |
| Primary APN | 051-145-284-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| 1st Floor Area | 752 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 168 ft deep x 66 ft wide |
| Garage Area | 242 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 610 N MAIN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 10 BLK 25. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 25 |
| Legal Lot Number | 10 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 40100 |
610 N Main St is owned and occupied by an individual who bought it in November 2018.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 610 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| 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 |
|---|---|
| Nov 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC |
| Nov 8, 2018 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2018 · Amount on File |
| Deed Sale | Nov 8, 2018 · Amount on File |
| Prior Sale | Oct 14, 2011 · Amount on File |
| Deed Book / Page | 1937 / 988 |
| Prior Transfer Date | Aug 23, 2013 |
| Prior Transfer Doc | 1716/0581 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 610 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01938/0493 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 1938/0493 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 8, 2018 |
| Property Address | 610 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Document Number | 01937/0988 |
| Book / Page | 1937 / 0988 |
| Map Reference | LB1 PG68 |
| Instrument Date | Nov 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PATRICK ABSTRACT AND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $894.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1508 8TH ST, 1508, THREE RIVERS, MI 49093-1777 |
| Name | Verified Name |
|---|---|
| Address | 713 SPRING ST, THREE RIVERS, MI 49093-2519 |
| Document Number | 0001937989 |
|---|---|
| Date | Nov 8, 2018 |
| Instrument | 1937/989 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 610 N Main St was $1,876 with a homeowner's exemption.
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 | $67,800 Land $4,700 Building $63,100 | $135,600 Land $9,400 Building $126,200 | |
| 2025 | $1,876.00 Homeowner's exemption | ||
| 2023 | $48,300 Land $3,000 Building $45,300 | $96,600 Land $6,000 Building $90,600 | |
| 2022 | $1,655.00 |
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.
FEMA maps place 610 N Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.
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 risk around 610 N Main 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 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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