St. Joseph County property record for 820 West St, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1958 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $81,500 (Oct 2012) |
| Tax Bill | $1,614 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Feb 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-136-022-00 |
| Primary APN | 051-136-022-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,140 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 132 ft deep x 49.5 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 820 WEST ST |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-2365 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 61 LYMANS RESUB & ADD. CITY OF THREE RIVERS. |
| Legal Subdivision | LYMANS RESUB & ADD |
| Legal Lot Number | 61 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | THREE RIVERS |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 40100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 820 WEST ST, THREE RIVERS, MI 49093-2365 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2023 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2012 · Amount on Record |
| Deed Sale | Oct 4, 2012 · Amount on Record |
| Prior Sale | Aug 29, 2006 · Amount on Record |
| Deed Book / Page | 1672 / 385 |
| Prior Transfer Date | Dec 30, 2005 |
| Prior Transfer Doc | 1351/0754 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 820 WEST ST, THREE RIVERS, MI 49093-2365 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023007938 |
|---|---|
| Date | Nov 7, 2023 |
| Instrument | 2023007938 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 820 WEST ST, THREE RIVERS, MI 49093-2365 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 2022001728 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022001728 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 25, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $69,700 (+39.4%) Land $3,200 Building $66,500 | $139,400 (+39.4%) Land $6,400 Building $133,000 | |
| 2025 | $1,614.00 (+13.34%) Homeowner's exemption | ||
| 2023 | $50,000 Land $2,200 Building $47,800 | $100,000 Land $4,400 Building $95,600 | |
| 2022 | $1,424.00 |
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 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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