St. Joseph County property record for 616 N Main St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1900 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Jun 2017) |
| Tax Bill | $2,901 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Jun 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-283-00 |
| Primary APN | 051-145-283-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 932 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 168 ft deep x 66 ft wide |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 616 N MAIN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 9 BLK 25. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 25 |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 40100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 616 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2017 | Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 12, 2017 | Warranty Deed, Transfer NOT AVAILABLE, MULTIPLE |
| Jan 26, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2017 · Amount on Record |
| Deed Sale | Jun 12, 2017 · Amount on Record |
| Prior Sale | Jan 2, 2013 · Amount on Record |
| Deed Book / Page | 1873 / 380 |
| Prior Transfer Date | Jan 5, 2017 |
| Prior Transfer Doc | 1856/0330 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 616 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1873/0502 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 1873/0502 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46825 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jun 12, 2017 |
| Property Address | 616 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Document Number | 1873/0380 |
| Book / Page | 1873 / 0380 |
| Map Reference | LB F PG28 |
| Instrument Date | May 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | NOT AVAILABLE, MULTIPLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,032.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 616 N MAIN ST, 616, THREE RIVERS, MI 49093-1429 |
| Name | Verified Name |
|---|---|
| Address | 616 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 26, 2017 |
| Property Address | 616 N MAIN ST, THREE RIVERS, MI 49093-1429 |
| Document Number | 1856/0330 |
| Book / Page | 1856 / 0330 |
| Map Reference | LB F PG28 |
| Instrument Date | Jan 5, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 92799 COUNTY ROAD 652, 92799, MARCELLUS, MI 49067-9477 |
| Name | Verified Name |
|---|---|
| Address | 64800 WINTERWOODS DR, LAWTON, MI 49065-8790 |
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 | $103,000 (+8.08%) Land $4,700 Building $98,300 | $206,000 (+8.08%) Land $9,400 Building $196,600 | |
| 2025 | $2,901.00 (+13.36%) Homeowner's exemption | $95,300 (+29.31%) Land $4,800 Building $90,500 | $190,600 (+29.31%) Land $9,600 Building $181,000 |
| 2023 | $73,700 Land $3,000 Building $70,700 | $147,400 Land $6,000 Building $141,400 | |
| 2022 | $2,559.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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