622 Portage Ave, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 622 Portage Ave, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 816 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Aug 2018)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-150-032-00`

Property Details

APN / Parcel Number

Primary APN	`051-150-032-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	107 ft deep x 73.6 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	622 PORTAGE AVE
City	THREE RIVERS
State	MI
Zip	49093-1468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 4 BLK 4 POPLAR PLACE SUB CITY OF THREE RIVERS. EXC W 80 FT THEREOF. ALSO PT OF LOT 3 BLK 4 SD SUB DESC AS: COM NE COR SD
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	4
Legal Lot Number	4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3004
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	622 PORTAGE AVE, THREE RIVERS, MI 49093-1468
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2018 · Amount on Record
Deed Sale	Aug 10, 2018 · Amount on Record
Prior Sale	Apr 30, 2002 · Amount on Record
Deed Book / Page	1926 / 916
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 10, 2018
Property Address	622 PORTAGE AVE, THREE RIVERS, MI 49093-1468
Document Number	01926/0916
Book / Page	1926 / 0916
Map Reference	LB1 PG24
Instrument Date	Jul 23, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,011.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 PORTAGE AVE, THREE RIVERS, MI 49093-1468

Mortgage

Document Number	0001926919
Date	Aug 10, 2018
Instrument	1926/919

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

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		$67,700 (+38.45%) Land $3,900 Building $63,800	$135,400 (+38.45%) Land $7,800 Building $127,600
2025	$1,931.00 (+13.39%) Homeowner's exemption
2023		$48,900 Land $3,000 Building $45,900	$97,800 Land $6,000 Building $91,800
2022	$1,703.00

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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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