909 N Main St, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 909 N Main St, Three Rivers, MI 49093 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1946
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$141,000 (Dec 2022)
Tax Bill	$1,595 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jan 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-199-070-00`

Property Details

APN / Parcel Number

Primary APN	`051-199-070-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,099 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	206 ft deep x 55 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	909 N MAIN ST
City	THREE RIVERS
State	MI
Zip	49093-2334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 524.37 FT S OF STONE AT NW COR OF N 1/2 SW 1/4 OF SE 1/4 SEC 7 T6S R11WTH E 12 1/2 RDS S 56 FT TH W 12 1/2 RDS TH N 56 FT
Legal Range	11W
Legal Township	06S
Legal Section	07
Legal Subdivision	CITY OF THREE RIVERS
Jurisdiction	ST JOSEPH MI
Township / Civil Division	THREE RIVERS
Census Block Group	1
Census Block	1047
Census Tract	40100

Owner

Source: St. Joseph County records · APN 051-199-070-00

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	2 Individual Names on File
Mailing Address	909 N MAIN ST, THREE RIVERS, MI 49093-2334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · VA Mortgage RUOFF MORTGAGE COMPANY INC
Jan 12, 2023	Intrafamily Transfer, Transfer · Line of Credit OMNI COMMUNITY CU
Oct 17, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	Oct 13, 2014 · Amount on Record
Deed Document Number	202210552
Prior Transfer Date	Oct 12, 2022
Prior Transfer Doc	2023000312
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 20, 2022
Property Address	909 N MAIN ST, THREE RIVERS, MI 49093-2334
Document Number	2022010552
Instrument Date	Dec 15, 2022
Instrument	2022010552
Transaction Type	Transfer
Record Updated	Jan 04, 2023
Title Company	NOT AVAILABLE, ELEVATED TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,057.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	338 CHARTER OAK CT, LEXINGTON, SC 29072-7121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6630 WOODLAND HILLS DR, VILLAGE OF LAKEWOOD, IL 60014-4859

Mortgage

Date	Dec 20, 2022

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 12, 2023
Property Address	909 N MAIN ST, THREE RIVERS, MI 49093-2334
Document Number	2023000312
Instrument Date	Oct 12, 2022
Instrument	2023000312
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	CALHOUN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 N MAIN ST, THREE RIVERS, MI 49093-2334

Mortgage

Date	Jan 12, 2023

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Oct 12, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	909 N MAIN ST, THREE RIVERS, MI 49093-2334
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1889/0541
Date	Oct 17, 2017
Book Page	1889/0541

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$68,800 (+8.01%)	$137,600 (+8.01%)
2025	$1,595.00 (-32.24%) Homeowner's exemption	$63,700 (+29.21%) Land $4,400 Building $59,300	$127,400 (+29.21%) Land $8,800 Building $118,600
2023		$49,300 Land $2,500 Building $46,800	$98,600 Land $5,000 Building $93,600
2022	$2,354.00

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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