For Sale
816 River Street, Three Rivers, MI 49093
$399,999
MLS # 26007787 (Michigan Regional Information Center (MichRIC))
5 beds4 baths2,205 sqftBuilt 19480.44 acres
1 / 52
Listing Description
$5000 Interest rate buy down from Premier Lending on this beautiful home!! Waterfront Paradise on the St. Joseph River - A One-of-a-Kind Retreat! Welcome to your dream waterfront escape! This beautifully renovated home offers the perfect blend of space, style, and serene riverfront living. Nestled on a rare double lot with over 100 feet of frontage on the St. Joseph River. Step inside to discover a spacious main floor featuring a stunning, oversized kitchen with abundant counter space, cabinetry, and room to entertain. The flexible living area can easily serve as a dining room, game room, or cozy lounge--tailored to your lifestyle. A main floor bedroom and full bath provide convenience and comfort for guests or multigenerational living.
Source: SparkMLS
About this home
This 5-bedroom, 4-bath, 2,205 sq ft home built in 1948 sits in Three Rivers in Three Rivers.
Asking $399,999 (about $181/sq ft).
Annual property taxes run approximately $1,407 ($117/month). 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.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms4
Living Area2,205 sqft
Lot Size0.44 acres
Year Built1948
Stories2
Location
CityThree Rivers
MunicipalityThree Rivers City
Zip Code49093
CountySt. Joseph
School DistrictThree Rivers
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage4 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, High-Speed Internet
InteriorCeiling Fan(s), Garage Door Opener
Sale & Financing
Listed3/2/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,407
Tax Year2025
Assessed Value$31,908
Parcel #05124002400
Source: SparkMLS
Legal Description
WLY 1/2 A OF JACKSON & WHIPPLE ADD LYG WLY OF BLK 7. EXC W 50 FT. CITY OF 3 RIVERS. EST 0.38 A. (COMB W/ 051-240-023-00 FEB/15)
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Pamela K Lombard
Chuck Jaqua, REALTOR
Frequently Asked Questions about 816 River Street, Three Rivers, MI 49093
What school district is 816 River Street, Three Rivers, MI 49093 in?
Per MLS# 26007787, this property is served by Three Rivers. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 816 River Street, Three Rivers, MI 49093?
Per MLS# 26007787, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26007787, the most recent reported annual property tax for 816 River Street, Three Rivers, MI 49093 is $1,407 (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 816 River Street, 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, 816 River Street, Three Rivers, MI 49093 is in flood zone AE (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: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Three Rivers City police department or the St. Joseph County sheriff's office.
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Mortgage Calculator
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Monthly payment$2,594
Principal & interest$2,594
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
816 River Street, Three Rivers, MI 49093
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Municipality
Three Rivers
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