645 Spring St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 645 Spring St, Three Rivers, MI 49093 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1950
Square Footage	912 sqft Living Area
Lot Size	6,098 sqft (0.14 acres)
Garage	168 sqft
Last Sale	$24,000 (2014)
Tax Bill	$1,105.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`051-335-060-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	912 sqft Living Area
1st Floor	912 sqft 1st Floor
Basement Area	912 sqft Basement
Unfinished Basement	912 sqft Unfinished

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch Style
Lot Area	6,098 sqft (0.14 acres)
Depth X Width	125 ft x 50 ft Depth x Width
Garage Area	168 sqft Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	645 SPRING ST
City	THREE RIVERS
State	MI
Zip	49093-2517
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 70 KINGS RESUBDIV & ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Lot Number	70
Jurisdiction	ST JOSEPH MI
Minor Civil Division	THREE RIVERS
Census Blockgroup	2
Census Block	2006
Census Tract	40300

Owner

Source: St. Joseph County records · APN 051-335-060-00

Assessment roll updated August 11, 2025 · Last verified July 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 File
Mailing Address	52700 JOHNSON RD, THREE RIVERS, MI 49093-8414
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 16, 2014 · Amount on Record
Deed Sale	Sep 16, 2014 · Amount on Record
Prior Sale	Nov 27, 2013 · Amount on Record
Deed Book / Page	1758 / 612
Record Refreshed	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	645 SPRING ST, THREE RIVERS, MI 49093-2517
Transaction Type	Mortgage
Record Updated	Nov 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1938/0168
Date	Nov 13, 2018
Book Page	1938/0168

Lender

Name	LAFCU
Type	Credit Union
Address	LANSING, MI 48917

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2028

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 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

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		$52,600 (+35.92%)	$105,200 (+35.92%)
2025	$1,105.00 (-18.81%)
2023		$38,700 Land $2,000 Building $36,700	$77,400 Land $4,000 Building $73,400
2022	$1,361.00

Flood & Wildfire

645 Spring St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · St. Joseph County (26149C), updated June 4, 2010

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.