St. Joseph County property record for 815 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,304 sqft · built 1900 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Jun 2024) |
| Tax Bill | $4,245 (2025) |
| Deeds & Mortgages | Feb 2017 Sale & Line of Credit Feb 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-135-006-00 |
| Primary APN | 051-135-006-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 2,304 sqft |
| Basement Area | 2,304 sqft |
| Unfinished Basement | 2,100 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Ranch |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 133 ft deep x 132 ft wide |
| Garage Area | 896 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 815 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2364 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOTS 8 & 9 EXC E 35 FT BLK 1. LYMANS ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Block | 1 |
| Legal Lot Number | 8-9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 40100 |
815 West St is owned and occupied by two individuals who bought it in June 2024.
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 WEST ST, THREE RIVERS, MI 49093-2364 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2017 | Warranty Deed, Transfer · Line of Credit SOUTHERN MICHIGAN BANK & TRUST |
| Feb 17, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2024 · Amount on File |
| Deed Sale | Jun 28, 2024 · Amount on File |
| Prior Sale | Feb 17, 2017 · Amount on File |
| Deed Document Number | 20244772 |
| Prior Transfer Date | Jul 12, 2006 |
| Prior Transfer Doc | 01386/0786 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 17, 2017 |
| Property Address | 815 WEST ST, THREE RIVERS, MI 49093-2364 |
| Document Number | 1858/0961 |
| Book / Page | 1858 / 0961 |
| Map Reference | MB1 PG22 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $834.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59296 NOAH LAKE RD, 59296, THREE RIVERS, MI 49093-9326 |
| Name | Verified Name |
|---|---|
| Address | 815 WEST ST, THREE RIVERS, MI 49093-2364 |
| Document Number | 18580964 |
|---|---|
| Date | Feb 17, 2017 |
| Instrument | 1858/0964 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 17, 2017 |
| Property Address | 815 WEST ST, THREE RIVERS, MI 49093-2364 |
| Document Number | 1858/0958 |
| Book / Page | 1858 / 0958 |
| Map Reference | MB1 PG22 |
| Instrument Date | Dec 29, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $544.77 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 WHITMIRE BLVD, 232, SALEM, SC 29676-2946 |
| Name | Verified Name |
|---|---|
| Address | 307 S MAIN ST, THREE RIVERS, MI 49093-1625 |
The 2025 property tax bill for 815 West St was $4,245 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 | $101,300 Land $8,500 Building $92,800 | $202,600 Land $17,000 Building $185,600 | |
| 2025 | $4,245.00 Homeowner's exemption | ||
| 2023 | $72,500 Land $5,900 Building $66,600 | $145,000 Land $11,800 Building $133,200 | |
| 2022 | $3,360.00 |
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.
FEMA maps place 815 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
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 Claims | 1 (2008) |
| Most Recent Claim | Sep 2008 · 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.
Wildfire risk around 815 West St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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 215 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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