616 Pealer St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 616 Pealer St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,696 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$243,000 (Sep 2022)
Tax Bill	$2,475 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`051-365-034-00`

Property Details

APN / Parcel Number

Primary APN	`051-365-034-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,696 sqft Living Area
1st Floor Area	928 sqft
Basement Area	768 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	99 ft deep x 82 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	616 PEALER ST
City	THREE RIVERS
State	MI
Zip	49093-2282
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	W 82 FT OF LOT 6 & W 82 FT OF N 1/2 OF LOT 5 BLK 4 YAUNEYS ADD CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	4
Legal Lot Number	5-6
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1008
Census Tract	40300

Owner

Source: St. Joseph County records, as of July 20, 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 PEALER ST, THREE RIVERS, MI 49093-2282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MERCANTILE BANK
Aug 26, 2021	Warranty Deed, Transfer NATIONS TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Aug 26, 2021 · Amount on Record
Deed Document Number	20228479
Prior Transfer Date	Mar 11, 2015
Prior Transfer Doc	1777000453
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 28, 2022
Property Address	616 PEALER ST, THREE RIVERS, MI 49093-2282
Document Number	2022008479
Map Reference	LB 40 PG 512
Instrument Date	Sep 26, 2022
Instrument	2022008479
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,822.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7914 E W AVE, VICKSBURG, MI 49097-9201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27125 COULTER ST, EDWARDSBURG, MI 49112-8638

Mortgage

Date	Sep 28, 2022

Lender

Name	MERCANTILE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	12-Month MTA
Margin	1
Max Rate	10.5%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 26, 2021
Property Address	616 PEALER ST, THREE RIVERS, MI 49093-2282
Document Number	2021008630
Instrument Date	Aug 26, 2021
Instrument	2021008630
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	NATIONS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13436 HARDER RD, THREE RIVERS, MI 49093-9245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15990 PORTAGE RD, VICKSBURG, MI 49097-8756

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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		$103,200 (+34.9%)	$206,400 (+34.9%)
2025	$2,475.00 (+40.95%) Homeowner's exemption
2023		$76,500 Land $3,300 Building $73,200	$153,000 Land $6,600 Building $146,400
2022	$1,756.00

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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