615 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 615 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,560 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Apr 2020)
Tax Bill	$2,934 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-150-005-00`

Property Details

APN / Parcel Number

Primary APN	`051-150-005-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,052 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	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 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 5 BLK 1 POPLAR PLACE SUB CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	1
Legal Lot Number	5
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	615 ELM ST, THREE RIVERS, MI 49093-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2018	Deed of Trust, Mortgage · Line of Credit OMNI COMMUNITY CU
Apr 8, 2020	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Apr 27, 2018	Deed, Transfer EVONS TITLE, DEVON TITLE
May 24, 2017	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	615 ELM ST, THREE RIVERS, MI 49093-1418
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01932/0911
Date	Sep 28, 2018
Book Page	1932/0911

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union
Address	BATTLE CREEK, MI 49016

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2048

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 8, 2020
Property Address	615 ELM ST, THREE RIVERS, MI 49093-1418
Document Number	2020000131
Map Reference	LB 1 PG 24
Instrument Date	Apr 3, 2020
Instrument	2020000131
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	615 ELM ST, THREE RIVERS, MI 49093-1418

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13622 PORTAGE RD, VICKSBURG, MI 49097-9736

Mortgage

Document Number	2020000132
Date	Apr 8, 2020
Instrument	2020000132

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 27, 2018
Property Address	615 ELM ST, THREE RIVERS, MI 49093-1418
Document Number	01913/0135
Book / Page	1913 / 0135
Map Reference	LB1 PG24
Instrument Date	Apr 18, 2018
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	EVONS TITLE, DEVON TITLE

Transaction

Amount	Amount Recorded
Tax	$550.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 KINGSLEY DR, CINCINNATI, OH 45227-1114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57166 STOLDT RD, THREE RIVERS, MI 49093-9544

May 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 24, 2017
Property Address	615 ELM ST, THREE RIVERS, MI 49093-1418
Document Number	01871/0404
Book / Page	1871 / 0404
Map Reference	LB1 PG24
Instrument Date	May 11, 2017
Transaction Type	Foreclosure
Record Updated	Aug 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 KINGSLEY DR, CINCINNATI, OH 45227-1114

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		$86,700 (+38.28%) Land $3,500 Building $83,200	$173,400 (+38.28%) Land $7,000 Building $166,400
2025	$2,934.00 (+13.37%) Homeowner's exemption
2023		$62,700 Land $2,500 Building $60,200	$125,400 Land $5,000 Building $120,400
2022	$2,588.00

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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