St. Joseph County property record for 632 S Constantine St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,200 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Apr 2022) |
| Tax Bill | $1,605 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-335-042-00 |
| Primary APN | 051-335-042-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 632 S CONSTANTINE ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 47 KINGS RESUBDIV & ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Lot Number | 47 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 40300 |
Source: St. Joseph County records, as of July 20, 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 | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK |
| Mar 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Aug 9, 2017 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2022 · Amount on Record |
| Deed Sale | Apr 14, 2022 · Amount on Record |
| Prior Sale | Mar 29, 2021 · Amount on Record |
| Deed Document Number | 20223684 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 14, 2022 |
| Property Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Document Number | 2022003684 |
| Map Reference | LB 1 PG 32 |
| Instrument Date | Apr 7, 2022 |
| Instrument | 2022003684 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 56055 WOODRIDGE, THREE RIVERS, MI 49093-9782 |
| Date | Apr 14, 2022 |
|---|
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Mar 29, 2021 |
| Property Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Document Number | 2021003029 |
| Map Reference | LB 1 PG 52 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021003029 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Name | Verified Name |
|---|---|
| Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Investor | Possibly a Property Investor |
| Date | Mar 29, 2021 |
|---|
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 9, 2017 |
| Property Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Document Number | 01880/0769 |
| Book / Page | 1880 / 0769 |
| Map Reference | LB1 PG32 |
| Instrument Date | Aug 1, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | ATTORNEYS TITLE PORTGAGE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $834.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Name | Verified Name |
|---|---|
| Address | 632 S CONSTANTINE ST, THREE RIVERS, MI 49093-2508 |
| Investor | Possibly a Property Investor |
| Document Number | 01880/0770 |
|---|---|
| Date | Aug 9, 2017 |
| Book Page | 1880/0770 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46825 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
Source: St. Joseph County assessment roll, as of August 11, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Three Rivers City |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $66,300 (+33.67%) | $132,600 (+33.67%) | |
| 2025 | $1,605.00 (-18.49%) Homeowner's exemption | ||
| 2023 | $49,600 Land $2,000 Building $47,600 | $99,200 Land $4,000 Building $95,200 | |
| 2022 | $1,969.00 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2008–2018) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Feb 2018 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 221 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 |
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