623 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 623 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,953 sqft · built 1929
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Oct 2021)
Tax Bill	$3,519 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-150-006-00`

Property Details

APN / Parcel Number

Primary APN	`051-150-006-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,953 sqft Living Area
1st Floor Area	1,116 sqft
Basement Area	1,116 sqft
Unfinished Basement	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	124 ft deep x 113 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	623 ELM ST
City	THREE RIVERS
State	MI
Zip	49093-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOTS 6 & 7 BLK 1 POPLAR PLACE SUB. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Block	1
Legal Lot Number	6-7
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	3
Census Block	3019
Census Tract	40100

Owner

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

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	623 ELM ST, THREE RIVERS, MI 49093-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU
Oct 13, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Jul 15, 2010 · Amount on Record
Deed Document Number	202110300
Prior Transfer Date	Jan 16, 1998
Prior Transfer Doc	0819000857
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	623 ELM ST, THREE RIVERS, MI 49093-1418
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 ELM ST, THREE RIVERS, MI 49093-1418

Mortgage

Document Number	2020002466
Date	Jun 18, 2020
Instrument	2020002466

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 13, 2021
Property Address	623 ELM ST, THREE RIVERS, MI 49093-1418
Document Number	2021010300
Map Reference	LB 1 PG 24
Instrument Date	Oct 5, 2021
Instrument	2021010300
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	TITLE RESOURCE AGENCY, DBA TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 E BELTLINE NE, 3000, THREE RIVERS, MI 49093

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15731 HOFFMAN RD, THREE RIVERS, MI 49093-8902

Mortgage

Date	Oct 13, 2021

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$157,500 (+40.63%)	$315,000 (+40.63%)
2025	$3,519.00 (-25.3%) Homeowner's exemption
2023		$112,000 Land $5,100 Building $106,900	$224,000 Land $10,200 Building $213,800
2022	$4,711.00

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	Not rated no burnable land within ember reach

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 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	150 / 20

May also be available: T-Mobile USA.

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