611 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 611 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,930 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,087 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-150-004-00`

Property Details

APN / Parcel Number

Primary APN	`051-150-004-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,930 sqft Living Area
1st Floor Area	1,676 sqft
Basement Area	1,016 sqft
Unfinished Basement	893 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

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	611 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 4 BLK 1. POPLAR PLACE SUB-DIV. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	1
Legal Lot Number	4
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, 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	2 Individual Names on Record
Mailing Address	611 ELM ST, THREE RIVERS, MI 49093-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2003
Deed Sale	Jan 23, 2003
Prior Sale	Jan 22, 2003 · Amount on Record
Deed Book / Page	1117 / 415
Record Updated	Oct 29, 2026

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 30, 2019
Property Address	611 ELM ST, THREE RIVERS, MI 49093-1418
Document Number	01990/0418
Book / Page	1990 / 0418
Map Reference	LB 1 PG 24
Instrument Date	Dec 13, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	611 ELM ST, 611, THREE RIVERS, MI 49093-1418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 ELM STRET, THREE RIVERS, MI 49093-1418

Mortgage

Document Number	0001990420
Date	Dec 30, 2019
Instrument	1990/420

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2030

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,800 (+8.93%) Land $3,500 Building $84,300	$175,600 (+8.93%) Land $7,000 Building $168,600
2025	$2,087.00 (+13.36%) Homeowner's exemption	$80,600 (+28.34%) Land $3,500 Building $77,100	$161,200 (+28.34%) Land $7,000 Building $154,200
2023		$62,800 Land $2,500 Building $60,300	$125,600 Land $5,000 Building $120,600
2022	$1,841.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 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

May also be available: T-Mobile.

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