St. Joseph County property record for 805 S Main St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,016 sqft · built 1900 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $28,750 (Aug 2014) |
| Tax Bill | $1,565 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-245-146-00 |
| Primary APN | 051-245-146-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 952 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 805 S MAIN ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 2 BLK 45 VIL OF LOCKPORT CITY OF 3 RIVERS. |
| Legal Subdivision | VIL OF LOCKPORT CITY |
| Legal Block | 45 |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 40200 |
805 S Main St is owned and occupied by an individual who bought it in August 2014.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC |
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Aug 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Apr 10, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2014 · Amount on File |
| Deed Sale | Aug 6, 2014 · Amount on File |
| Prior Sale | Jul 3, 2014 · Amount on File |
| Deed Book / Page | 1753 / 923 |
| Prior Transfer Date | Dec 15, 2007 |
| Prior Transfer Doc | 1474/0971 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|---|
| Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Document Number | 2024000206 |
|---|---|
| Date | Jan 9, 2024 |
| Instrument | 2024000206 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Document Number | 2021009463 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2021009463 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 1925/0537 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 1925/0537 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2028 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Apr 10, 2019 |
| Property Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
| Document Number | 1954/0028 |
| Book / Page | 1954 / 0028 |
| Map Reference | LB F PG 18 |
| Instrument Date | Apr 8, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 805 S MAIN ST, 805, THREE RIVERS, MI 49093-1737 |
| Name | Verified Name |
|---|---|
| Address | 805 S MAIN ST, THREE RIVERS, MI 49093-1737 |
The 2025 property tax bill for 805 S Main St was $1,565 with a homeowner's exemption.
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 | $54,000 (-2%) Land $3,500 Building $50,500 | $108,000 (-2%) Land $7,000 Building $101,000 | |
| 2025 | $1,565.00 Homeowner's exemption | $55,100 Land $3,400 Building $51,700 | $110,200 Land $6,800 Building $103,400 |
| 2023 | $47,200 Land $2,300 Building $44,900 | $94,400 Land $4,600 Building $89,800 | |
| 2022 | $1,381.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 805 S Main St in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1982.
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 | 9 in force |
| Nearby Flood Claims | 46 (1982–2018) |
| Claims Outside the SFHA | 2 of 46 |
| Most Recent Claim | Feb 2018 · tidal / storm surge |
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.
The area around 805 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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