809 Canal St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 809 Canal St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,130 sqft · built 1930
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,200 (Feb 2009)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`051-205-058-00`

Property Details

APN / Parcel Number

Primary APN	`051-205-058-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,130 sqft Living Area
1st Floor Area	800 sqft
Basement Area	440 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	809 CANAL ST
City	THREE RIVERS
State	MI
Zip	49093-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	E 50 FT OF LOTS 32 & 33 & N 5 FT OF E 50 FT OF LOT 31 ALL IN BLK 2 ASSESSORS PLAT OF WM F ARNOLD ADD TO CITY OF 3 RIVERS.
Legal Subdivision	ASSRS OF WM F ARNOLD ADD
Legal Block	2
Legal Lot Number	31-33
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	2
Census Block	2012
Census Tract	40200

Owner

Source: St. Joseph County records, as of July 24, 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	58536 W GREENFIELD CT, THREE RIVERS, MI 49093-8535
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2009 · Amount on Record
Deed Sale	Feb 17, 2009 · Amount on Record
Prior Sale	Nov 8, 2006 · Amount on Record
Deed Book / Page	1516 / 712
Prior Transfer Date	Jun 22, 2002
Prior Transfer Doc	1111000992
Record Updated	Oct 29, 2026

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 24, 2017
Property Address	809 CANAL ST, THREE RIVERS, MI 49093-1213
Document Number	1878/0423
Book / Page	1878 / 0423
Map Reference	VOL2 PG51
Instrument Date	Jun 22, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 CANAL ST, THREE RIVERS, MI 49093-1213

Mortgage

Document Number	18780425
Date	Jul 24, 2017
Instrument	1878/0425

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,900 (-3.57%) Land $2,700 Building $43,200	$91,800 (-3.57%) Land $5,400 Building $86,400
2025	$1,169.00 (+13.39%)	$47,600 (+65.85%) Land $2,600 Building $45,000	$95,200 (+65.85%) Land $5,200 Building $90,000
2023		$28,700 Land $1,900 Building $26,800	$57,400 Land $3,800 Building $53,600
2022	$1,031.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 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