816 Elm St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 816 Elm St, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,384 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$183,900 (Dec 2020)
Tax Bill	$4,851 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-110-026-00`

Property Details

APN / Parcel Number

Primary APN	`051-110-026-00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,384 sqft Living Area
1st Floor Area	1,192 sqft
Basement Area	1,192 sqft
Unfinished Basement	1,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	816 ELM ST
City	THREE RIVERS
State	MI
Zip	49093-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	S 10 FT LOT 38 AND ALL OF LOT 39 & N 40 FT LOT 40 BONNIE CASTLE ADDITION CITY OF THREE RIVERS.
Legal Subdivision	BONNIE CASTLE ADDITION
Legal Lot Number	38-40
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1050
Census Tract	40100

Owner

816 Elm St is owned and occupied by an individual who bought it in December 2020.

Source: St. Joseph County records, as of July 24, 2026

Owner of Record	Individual Name on File
Mailing Address	816 ELM ST, THREE RIVERS, MI 49093-1302
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Dec 28, 2009 · Amount on File
Deed Document Number	20208591
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 14, 2020
Property Address	816 ELM ST, THREE RIVERS, MI 49093-1302
Document Number	2020008591
Map Reference	LB 1 PG 44
Instrument Date	Dec 9, 2020
Instrument	2020008591
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4528 N MCFALL LAKE DR, 4528, BRANCH, MI 49402-9437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50745 DUTTON DR, ELKHART, IN 46514-6383

Mortgage

Date	Dec 14, 2020

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 816 Elm St was $4,851 with a homeowner's exemption.

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		$144,900 Land $6,400 Building $138,500	$289,800 Land $12,800 Building $277,000
2025	$4,851.00 Homeowner's exemption
2023		$103,900 Land $4,500 Building $99,400	$207,800 Land $9,000 Building $198,800
2022	$4,279.00

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

Flood

FEMA maps place 816 Elm 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

Wildfire risk around 816 Elm St is low, with less than 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 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.

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 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