620 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 620 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,624 sqft · built 1908
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,000 (Nov 2002)
Tax Bill	$2,199 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051-145-238-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-238-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,024 sqft
Basement Area	800 sqft
Unfinished Basement	740 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	132 ft deep x 88 ft wide
Garage Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	620 ELM ST
City	THREE RIVERS
State	MI
Zip	49093-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 7 & N 22 FT OF LOT 8 BLK 22. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	22
Legal Lot Number	7,8
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3020
Census Tract	40100

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	620 ELM ST, THREE RIVERS, MI 49093-1419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Feb 24, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2002 · Amount on Record
Deed Sale	Nov 25, 2002 · Amount on Record
Prior Sale	Mar 15, 1999
Deed Book / Page	1105 / 814
Last Transfer Date	Feb 5, 2020
Transfer Doc	1997/328
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 16, 2025
Property Address	620 ELM ST, THREE RIVERS, MI 49093-1419
Document Number	2025007279
Map Reference	LB 1 PG 68
Instrument Date	Sep 10, 2025
Instrument	2025007279
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	620 ELM ST, THREE RIVERS, MI 49093-1419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ELM ST, THREE RIVERS, MI 49093-1419

Mortgage

Document Number	2025007280
Date	Sep 16, 2025
Instrument	2025007280

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 24, 2020
Property Address	620 ELM ST, THREE RIVERS, MI 49093-1419
Document Number	1997/328
Book / Page	1997 / 328
Map Reference	LB 1 PG 68
Instrument Date	Feb 5, 2020
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56081 TRUMAN DR, 56081, THREE RIVERS, MI 49093-8031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ELM ST, THREE RIVERS, MI 49093-1419

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		$65,600 (+8.43%) Land $5,600 Building $60,000	$131,200 (+8.43%) Land $11,200 Building $120,000
2025	$2,199.00 (+2.85%) Homeowner's exemption	$60,500 (+29.55%) Land $5,700 Building $54,800	$121,000 (+29.55%) Land $11,400 Building $109,600
2024	$2,138.00 (+10.21%)
2023		$46,700 Land $4,000 Building $42,700	$93,400 Land $8,000 Building $85,400
2022	$1,940.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 233 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: T-Mobile.

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