906 West St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 906 West St, Three Rivers, MI 49093 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,488 sqft · built 1955
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Jun 2022)
Tax Bill	$2,869 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`051-136-009-00`

Property Details

APN / Parcel Number

Primary APN	`051-136-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,488 sqft Living Area
1st Floor Area	1,488 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	906 WEST ST
City	THREE RIVERS
State	MI
Zip	49093-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12. LYMANS RESUB & ADD. CITY OF THREE RIVERS.
Legal Subdivision	CITY OF THREE RIVERS
Legal Lot Number	12
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1036
Census Tract	40100

Owner

Source: St. Joseph County records · APN 051-136-009-00

Assessment roll updated August 11, 2025 · Last verified July 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 File
Mailing Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 06, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Jun 27, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Sep 10, 2020	Quit Claim Deed, Transfer Quitclaim
Oct 18, 2019	Intrafamily Transfer, Transfer
Jul 24, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Jan 20, 2021 · Amount on Record
Deed Document Number	20225866
Prior Transfer Date	Jan 07, 2021
Prior Transfer Doc	2021000652
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 06, 2026
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	0000002422
Instrument Date	Mar 27, 2026
Instrument	20262422
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 WEST ST, THREE RIVERS, MI 49093-2367

Mortgage

Document Number	0000002422,
Date	Apr 06, 2026
Instrument	20262422

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Jul 01, 2052

Interest

Rate	5.98%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Transaction Type	Mortgage
Record Updated	Mar 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008207
Date	Dec 03, 2020
Instrument	2020008207

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2035

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 27, 2022
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	2022005866
Map Reference	LB 1 PG 37
Instrument Date	Jun 14, 2022
Instrument	2022005866
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	DIVERSIFIED NATIONAL TITLE AGENCY, DIVERSIFIED NATL TTL AFENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 WEST ST, THREE RIVERS, MI 49093-2367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 EAST COUNTY LINE ROAD, MIDDLEBURY, IN 46540

Mortgage

Date	Jun 27, 2022

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 20, 2021
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	2021000652
Map Reference	LB 1 PG 37
Instrument Date	Jan 07, 2021
Instrument	2021000652
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 WEST ST, THREE RIVERS, MI 49093-2367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AZALCAMUM DRIVE, THREE RIVERS, MI 49093
Investor	Possibly a Property Investor

Mortgage

Date	Jan 20, 2021

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 20, 2021
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	2021000652
Map Reference	LB 1 PG 37
Instrument Date	Jan 07, 2021
Instrument	2021000652
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 WEST ST, THREE RIVERS, MI 49093-2367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 AZALCAMUM DRIVE, THREE RIVERS, MI 49093
Investor	Possibly a Property Investor

Mortgage

Date	Jan 20, 2021

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 10, 2020
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	2020005397
Instrument Date	Aug 24, 2020
Instrument	2020005397
Transaction Type	Transfer
Record Updated	Mar 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 W MICHIGAN AVE, THREE RIVERS, MI 49093-2124

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	420 CHANDLER DR, DAYTON, OH 45433-1123

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 18, 2019
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	01979/0260
Book / Page	1979 / 0260
Instrument Date	Oct 16, 2019
Transaction Type	Transfer
Record Updated	Mar 09, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 W MICHIGAN AVE, THREE RIVERS, MI 49093-2124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 W MICHIGAN AVE, THREE RIVERS, MI 49093-2124
Investor	Possibly a Property Investor

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 24, 2019
Property Address	906 WEST ST, THREE RIVERS, MI 49093-2367
Document Number	01967/0788
Book / Page	1967 / 0788
Instrument Date	Jul 24, 2019
Transaction Type	Transfer
Record Updated	Mar 09, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 W MAIN ST, CENTREVILLE, MI 49032-9623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 W MICHIGAN AVE, THREE RIVERS, MI 49093-2124

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,500 (+8.36%)	$249,000 (+8.36%)
2025	$2,869.00 (-22.67%) Homeowner's exemption	$114,900 (+29.54%) Land $3,200 Building $111,700	$229,800 (+29.54%) Land $6,400 Building $223,400
2023		$88,700 Land $2,300 Building $86,400	$177,400 Land $4,600 Building $172,800
2022	$3,710.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 215 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 (licensed-by-rule)	150 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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