St. Joseph County property record for 615 N Main St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,290 sqft · built 1900 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,500 (Aug 2024) |
| Tax Bill | $4,499 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-263-00 |
| Primary APN | 051-145-263-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,290 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Basement Area | 852 sqft |
| Unfinished Basement | 965 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 156 ft deep x 66 ft wide |
| Garage Area | 224 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 615 N MAIN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 4 BLK 24. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 24 |
| Legal Lot Number | 4 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 40100 |
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 615 N MAIN ST, THREE RIVERS, MI 49093-1428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2020 | Warranty Deed, Transfer · FHA Mortgage SUMMIT HOME MORTGAGE LLC |
| Sep 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2024 · Amount on Record |
| Deed Sale | Aug 23, 2024 · Amount on Record |
| Prior Sale | Oct 6, 2020 · Amount on Record |
| Deed Document Number | 20246069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 6, 2020 |
| Property Address | 615 N MAIN ST, THREE RIVERS, MI 49093-1428 |
| Document Number | 2020006290 |
| Map Reference | LB F PG 28 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 2020006290 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 615 N MAIN ST, 615, THREE RIVERS, MI 49093-1428 |
| Name | Verified Name |
|---|---|
| Address | 4023 E WEMBLEY LN, KALAMAZOO, MI 49009-7830 |
| Date | Oct 6, 2020 |
|---|
| Name | SUMMIT HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 18, 2018 |
| Property Address | 615 N MAIN ST, THREE RIVERS, MI 49093-1428 |
| Document Number | 01931/0384 |
| Book / Page | 1931 / 0384 |
| Map Reference | LB01 PG68 |
| Instrument Date | Sep 15, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT AND TILE OF |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,032.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 615 N MAIN ST, 615, THREE RIVERS, MI 49093-1428 |
| Name | Verified Name |
|---|---|
| Address | 615 N MAIN ST, THREE RIVERS, MI 49093-1428 |
| Investor | Possibly a Property Investor |
| Document Number | 0001931385 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 1931/385 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 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 | $106,700 (+38.39%) Land $4,600 Building $102,100 | $213,400 (+38.39%) Land $9,200 Building $204,200 | |
| 2025 | $4,499.00 (+41.08%) Homeowner's exemption | ||
| 2023 | $77,100 Land $3,000 Building $74,100 | $154,200 Land $6,000 Building $148,200 | |
| 2022 | $3,189.00 |
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 |
|---|---|
| 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.
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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