St. Joseph County property record for 709 11th St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1960 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $189,000 (Aug 2026) |
| Tax Bill | $997 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-255-003-00 |
| Primary APN | 051-255-003-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 129 ft deep x 100 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 709 11TH ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOTS 24 & 25 WRIGHTS RESUB OF STERLINGS ADD CITY OF THREE RIVERS. EST 0.3 A+/-. (BDY CHG W/ 051-255-003-01 JUN/08) |
| Legal Subdivision | WRIGHTS RESUB |
| Legal Lot Number | 24-25 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 40200 |
Source: St. Joseph County records, as of August 31, 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 | 5032 COOPERS LANDING DR, 2B, KALAMAZOO, MI 49004-7680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 17, 2026 | Warranty Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC |
| Nov 25, 2025 | Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST |
| Oct 6, 2025 | Warranty Deed, Transfer CLOSETRAK LLC, CLOSED LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Oct 6, 2025 · Amount on Record |
| Deed Document Number | 20266640 |
| Prior Transfer Date | Jul 22, 2004 |
| Prior Transfer Doc | 1250000994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 17, 2026 |
| Property Address | 709 11TH ST, THREE RIVERS, MI 49093-1239 |
| Document Number | 0000006640 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20266640 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143,167.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000006641, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 20266641 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 709 11TH ST, THREE RIVERS, MI 49093-1239 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 601 PEALER ST, THREE RIVERS, MI 49093-2281 |
| Investor | Possibly a Property Investor |
| Document Number | 2025009308 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 2025009308 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | THREE RIVERS, MI 49093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 6, 2025 |
| Property Address | 709 11TH ST, THREE RIVERS, MI 49093-1239 |
| Document Number | 2025007890 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 2025007890 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | CLOSETRAK LLC, CLOSED LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 SHERIDAN DR, LEXINGTON, KY 40503-1726 |
| Name | Verified Name |
|---|---|
| Address | 601 PEALER ST, THREE RIVERS, MI 49093-2281 |
| Investor | Possibly a Property Investor |
Source: St. Joseph County assessment roll, as of July 24, 2026
| 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 | $29,900 (-0.66%) Land $5,600 Building $24,300 | $59,800 (-0.66%) Land $11,200 Building $48,600 | |
| 2025 | $997.00 (+2.89%) Homeowner's exemption | $30,100 (+4.15%) Land $5,400 Building $24,700 | $60,200 (+4.15%) Land $10,800 Building $49,400 |
| 2024 | $969.00 (+10.24%) | ||
| 2023 | $28,900 Land $3,800 Building $25,100 | $57,800 Land $7,600 Building $50,200 | |
| 2022 | $879.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1978–1989) |
| Most Recent Claim | Jun 1989 · rainfall accumulation |
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 99.1% of the US · lower than 98.4% 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 244 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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