620 N Main St, Three Rivers, MI 49093 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,088 sqft · built 1885
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Feb 2024)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-145-282-00`

Property Details

APN / Parcel Number

Primary APN	`051-145-282-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,088 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	1,360 sqft
Unfinished Basement	1,268 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	168 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	620 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 8 BLK 25. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	25
Legal Lot Number	8
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3026
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	Individual Name on Record
Mailing Address	620 N MAIN ST, THREE RIVERS, MI 49093-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Dec 8, 2016 · Amount on Record
Deed Document Number	20241142
Last Transfer Date	Jul 3, 2024
Transfer Doc	2024005007
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 22, 2024
Property Address	620 N MAIN ST, THREE RIVERS, MI 49093-1429
Document Number	2024001142
Map Reference	LB F PG 28
Instrument Date	Feb 21, 2024
Instrument	2024001142
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,417.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4620 N MAIN ST, THREE RIVERS, MI 49093

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 N MAIN ST, THREE RIVERS, MI 49093-1429

Mortgage

Document Number	2024001143
Date	Feb 22, 2024
Instrument	2024001143

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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		$84,000 (+7.01%) Land $4,700 Building $79,300	$168,000 (+7.01%) Land $9,400 Building $158,600
2025	$3,560.00 (+84.17%) Homeowner's exemption	$78,500 (+28.9%) Land $4,800 Building $73,700	$157,000 (+28.9%) Land $9,600 Building $147,400
2023		$60,900 Land $3,000 Building $57,900	$121,800 Land $6,000 Building $115,800
2022	$1,933.00

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 · 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	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 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