615 Pealer St, Three Rivers, MI 49093 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,082 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Feb 2025)
Tax Bill	$2,814 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051-365-041-00`

Property Details

APN / Parcel Number

Primary APN	`051-365-041-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,082 sqft Living Area
1st Floor Area	1,308 sqft
Basement Area	852 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 PEALER ST
City	THREE RIVERS
State	MI
Zip	49093-2281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	W 66 FT OF LOTS 1 & 2 BLK 5 YAUNEYS ADDITION TO CITY OF THREE RIVERS
Legal Subdivision	YAUNEYS ADDITION
Legal Block	5
Legal Lot Number	1-2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1002
Census Tract	40300

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 PEALER ST, THREE RIVERS, MI 49093-2281
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 10, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2025 · Amount on Record
Deed Sale	Feb 24, 2025 · Amount on Record
Prior Sale	Oct 22, 2021 · Amount on Record
Deed Document Number	20251214
Prior Transfer Date	Jun 30, 2006
Prior Transfer Doc	1383/0648
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 22, 2021
Property Address	615 PEALER ST, THREE RIVERS, MI 49093-2281
Document Number	2021010681
Map Reference	LB 47 PG 320
Instrument Date	Oct 19, 2021
Instrument	2021010681
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	OAK TITLE SERWCES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,492.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5116 TULIP TREE DR, 5116, NOBLESVILLE, IN 46062-7800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 PEALER ST, THREE RIVERS, MI 49093-2281

Mortgage

Date	Oct 22, 2021

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 10, 2020
Property Address	615 PEALER ST, THREE RIVERS, MI 49093-2281
Document Number	1999/306
Book / Page	1999 / 306
Map Reference	LB 47 PG 320
Instrument Date	Mar 3, 2020
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1255 S 900 E, 1255, ZIONSVILLE, IN 46077-8857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5116 TULIE TREE DRIVE, NOBLESVILLE, IN 46062-7800

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		$84,700 (+2.29%) Land $4,100 Building $80,600	$169,400 (+2.29%) Land $8,200 Building $161,200
2025	$2,814.00 (+13.38%) Homeowner's exemption	$82,800 (+32.48%) Land $3,900 Building $78,900	$165,600 (+32.48%) Land $7,800 Building $157,800
2023		$62,500 Land $2,600 Building $59,900	$125,000 Land $5,200 Building $119,800
2022	$2,482.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

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 268 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: Spectrum.

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