St. Joseph County property record for 820 Elm St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,114 sqft · built 1938 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Aug 2025) |
| Tax Bill | $2,647 (2025) |
| Deeds & Mortgages | Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-110-025-00 |
| Primary APN | 051-110-025-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,114 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| Basement Area | 1,208 sqft |
| Unfinished Basement | 1,044 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 132 ft deep x 121 ft wide |
| Garage Area | 1,188 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 820 ELM ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOTS 37 & 38 EXC S 10 FT OF LOT 38 BONNIE CASTLE ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | CITY OF THREE RIVERS |
| Legal Lot Number | 37-38 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 40100 |
Source: St. Joseph County assessment roll, as of August 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 810 DRURY LN, PORTAGE, MI 49002-4325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 18, 2025 · Amount on Record |
| Deed Sale | Aug 18, 2025 · Amount on Record |
| Prior Sale | Sep 17, 2024 · Amount on Record |
| Deed Document Number | 20256371 |
| Prior Transfer Date | Oct 30, 2003 |
| Prior Transfer Doc | 1217000207 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Sep 7, 2018 |
| Property Address | 820 ELM ST, THREE RIVERS, MI 49093-1302 |
| Document Number | 01929/0860 |
| Book / Page | 1929 / 0860 |
| Map Reference | LB1 PG44 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PATRICK ABSTRACT AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,548.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 820 ELM ST, 820, THREE RIVERS, MI 49093-1302 |
| Name | Verified Name |
|---|---|
| Address | 61309 CONSTANTINE RD, THREE RIVERS, MI 49093-9314 |
| Document Number | 0001929861 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 1929/861 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $138,900 (+37.25%) | $277,800 (+37.25%) | |
| 2025 | $2,647.00 (-25.29%) Homeowner's exemption | ||
| 2023 | $101,200 Land $5,400 Building $95,800 | $202,400 Land $10,800 Building $191,600 | |
| 2022 | $3,543.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 Air Wireless Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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