For Sale
18610 M 86, Three Rivers, MI 49093
$1,295,000
MLS # 26028869 (Michigan Regional Information Center (MichRIC))
4 beds5 baths5,159 sqftBuilt 197578.5 acres
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Listing Description
Take a stay-cation 365 in this hidden sanctuary that is also a haven for American Bald Eagles, several species of waterfowl, birds a numerous types of 4 legged creatures. This 4 bed, 4.5 bath home reflects the splendor of nature, and is the perfect oasis, vaca-rental, bird watching post, corporate retreat or hunter's paradise. This abode sits on a hill in the middle of 78 acres. Mature trees, lush ponds & trails beckon new owners. The home is tastefully updated and perfectly appointed to suit all tastes. The main level has hickory floors. A unique floor plan offers large rooms and gorgeous views of nature throughout. The thoughtful layout creates a perfect space for rest and reflection. Sure to be a tour highlight are the 2 primary suites which both have deck access on the beautiful woodland side. One suite is complete with an office which could be a home gym, library or add'l walk-in closet. The 2 add'l bedrooms which round out this floor share a full bath. A large living area on.....
Source: SparkMLS
About this home
This 4-bedroom, 5-bath, 5,159 sq ft home built in 1975 sits in Three Rivers.
Asking $1,295,000 (about $251/sq ft).
Estimated annual property tax: $5,535, or about $461 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Indiana Michigan Power Company; natural gas by SEMCO Energy Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms5
Living Area5,159 sqft
Lot Size78.5 acres
Year Built1975
Stories3
Location
CityThree Rivers
MunicipalityLockport Twp
Zip Code49093
CountySt. Joseph
School DistrictCentreville
Construction & Systems
StyleRanch
ConstructionBrick, Vinyl Siding
BasementFull, Walk-Out Access
Garage3 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Connected, Extra Well
InteriorCeiling Fan(s), Garage Door Opener, Wet Bar, Pantry
Sale & Financing
Listed6/11/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,535
Tax Year2025
Assessed Value$186,158
Parcel #7500902101210
Source: SparkMLS
Legal Description
W 1/2 SE 1/4 SEC 21 T6S R11W. EXC W 660 FT OF S 495 FT. ALSO E 1/2 W 1/2 NE 1/4 LYG S OF RR R/W. 78.5 A+/-.
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Cheryl L Brewer
Century 21 Affiliated
Frequently Asked Questions about 18610 M 86, Three Rivers, MI 49093
What school district is 18610 M 86, Three Rivers, MI 49093 in?
Per MLS# 26028869, this property is served by Centreville. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 18610 M 86, Three Rivers, MI 49093?
Per MLS# 26028869, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26028869, the most recent reported annual property tax for 18610 M 86, Three Rivers, MI 49093 is $5,535 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 18610 M 86, Three Rivers, MI 49093 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 18610 M 86, Three Rivers, MI 49093 is in flood zone A (high risk). Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: SEMCO Energy Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Lockport Twp police department or the St. Joseph County sheriff's office.
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Mortgage Calculator
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Monthly payment$8,399
Principal & interest$8,399
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
SEMCO Energy Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
18610 M 86, Three Rivers, MI 49093
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