St. Joseph County property record for 620 Oak St, Three Rivers, MI 49093 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,616 sqft · built 1954 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Feb 2024) |
| Tax Bill | $2,289 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Feb 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-145-353-00 |
| Primary APN | 051-145-353-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,616 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 909 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 110 ft deep x 130 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 620 OAK ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 10 & 11 BLK 35 EXC SLY 10 FT EXC RR GROUNDS. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 35 |
| Legal Lot Number | 10-11 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 40100 |
Source: St. Joseph County records · APN 051-145-353-00
Assessment roll updated July 24, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 28, 2024 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 25, 2019 | Contract Sale, Transfer · Land Contract JAMES A STEINMAN ETUX |
| Jul 31, 2018 | Deed, Transfer ATA NATIONAL TITLE GROUP LLC |
| Dec 14, 2006 | Intrafamily Transfer, Transfer · ARM FIRST SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Prior Sale | Oct 25, 2019 · Amount on Record |
| Deed Document Number | 20241254 |
| Prior Transfer Date | Feb 27, 2024 |
| Prior Transfer Doc | 2024001256 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 28, 2024 |
| Property Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 2024001256 |
| Map Reference | LB F PG 28 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 2024001256 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 28, 2024 |
| Property Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 2024001254 |
| Map Reference | LB F PG 28 |
| Instrument Date | Feb 23, 2024 |
| Instrument | 2024001254 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $562.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 612 MECHANIC ST, THREE RIVERS, MI 49093-1638 |
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 2024001255 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024001255 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Change Frequency | 10 Years |
|---|---|
| Index | FHLBNY's 5-Year Index |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 25, 2019 |
| Property Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 1980/0502 |
| Book / Page | 1980 / 0502 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 612 ECHANIC ST, 612, THREE RIVERS, MI 49093 |
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Date | Oct 25, 2019 |
|---|
| Name | JAMES A STEINMAN ETUX |
|---|---|
| Type | Seller |
| Type | Land Contract |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jul 31, 2018 |
| Property Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 1925/0359 |
| Book / Page | 1925 / 0359 |
| Map Reference | LB F PG28 |
| Instrument Date | Jun 07, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $404.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6101 CONDOR DR, 6101, MOORPARK, CA 93021-2602 |
| Name | Verified Name |
|---|---|
| Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Dec 14, 2006 |
| Property Address | 620 OAK ST, THREE RIVERS, MI 49093-2404 |
| Document Number | 01412/0429 |
| Book / Page | 1412 / 0429 |
| Map Reference | LB F PG28 |
| Instrument Date | Dec 12, 2006 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2026 |
| Title Company | MBT TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 612 MECHANIC ST, THREE RIVERS, MI 49093-1638 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 612 MECHANIC ST, THREE RIVERS, MI 49093-1638 |
| Document Number | 0014120430 |
|---|---|
| Date | Dec 14, 2006 |
| Instrument | 1412/0430 |
| Name | FIRST SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Index | 1-Year T-Bill |
| Max Rate | 13% |
Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,600 (+7.03%) Land $7,600 Building $64,000 | $143,200 (+7.03%) Land $15,200 Building $128,000 | |
| 2025 | $2,289.00 (-19%) Homeowner's exemption | $66,900 (+27.67%) Land $7,600 Building $59,300 | $133,800 (+27.67%) Land $15,200 Building $118,600 |
| 2023 | $52,400 Land $5,900 Building $46,500 | $104,800 Land $11,800 Building $93,000 | |
| 2022 | $2,826.00 |
Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Sep 2008, river or lake flooding |
| Wildfire Risk | Low above 5% of the US · above 12% of Michigan |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 201 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Surf Air Wireless | Fiber | 8,000 / 8,000 |
| Frontier | Fiber | 7,000 / 7,000 |
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| Mercury Broadband | Fixed Wireless (licensed-by-rule) | 150 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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