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616 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 616 Elm St, Three Rivers, MI 49093 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,384 sqft · built 1900
Lot Size0.13 acres (5,663 sqft)
Owner2 Individual Names on File
Last Sale$141,000 (Nov 2021)
Tax Bill$1,440 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Jun 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN051-145-239-00

Property Details

APN / Parcel Number

Primary APN051-145-239-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,384 sqft Living Area
1st Floor Area904 sqft
Basement Area904 sqft
Unfinished Basement850 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Lot Area5,663 sqft (0.13 acres)
Lot Dimensions132 ft deep x 44 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address616 ELM ST
CityTHREE RIVERS
StateMI
Zip49093-1419
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS 44 FT OF LOT 8 BLK 22. CITY OF THREE RIVERS.
Legal SubdivisionCITY OF THREE RIVERS
Legal Block22
Legal Lot Number8
JurisdictionST JOSEPH MI
Township / Civil DivisionTHREE RIVERS
Census Block Group3
Census Block3020
Census Tract40100

Owner

Source: St. Joseph County records · APN 051-145-239-00

Assessment roll updated August 11, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address616 ELM ST, THREE RIVERS, MI 49093-1419
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 09, 2021Warranty Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Jun 02, 2021Deed of Trust, Mortgage · Line of Credit
STURGIS BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 09, 2021 · Amount on Record
Deed SaleNov 09, 2021 · Amount on Record
Prior SaleJan 21, 2014 · Amount on Record
Deed Document Number202111287
Prior Transfer DateFeb 13, 2006
Prior Transfer Doc1358/0346
Record UpdatedSep 20, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOSEPH MI
Recording DateNov 09, 2021
Property Address616 ELM ST, THREE RIVERS, MI 49093-1419
Document Number2021011287
Map ReferenceLB F PG 28
Instrument DateNov 05, 2021
Instrument2021011287
Transaction TypeTransfer
Record UpdatedNov 23, 2021
Title CompanyNEAR NORTH TITLE GROUP

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,057.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10025 HARVEY ST, 10025, LAWRENCE, MI 49064

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address616 ELM ST, THREE RIVERS, MI 49093-1419

Mortgage

DateNov 09, 2021
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOSEPH MI
Property Address616 ELM ST, THREE RIVERS, MI 49093-1419
Transaction TypeMortgage
Record UpdatedJun 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2021005834
DateJun 02, 2021
Instrument2021005834
Lender
NameSTURGIS BANK & TRUST CO
TypeBank
AddressSTURGIS, MI 49091
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountySt. Joseph County
MunicipalityThree Rivers City
Unified School DistrictThree Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$63,500 (+8.36%)$127,000 (+8.36%)
2025$1,440.00 (-25.31%) Homeowner's exemption$58,600 (+27.95%) Land $2,800 Building $55,800$117,200 (+27.95%) Land $5,600 Building $111,600
2023$45,800 Land $2,000 Building $43,800$91,600 Land $4,000 Building $87,600
2022$1,928.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490401003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims5 (1982–2020)
Most Recent ClaimMay 2020, river or lake flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 233 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Surf Air WirelessFiber8,000 / 8,000
FrontierFiber7,000 / 7,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
Mercury BroadbandFixed Wireless (licensed-by-rule)150 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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