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Single Family ResidenceResidential
$407,233$221 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $293,000 on Dec 15, 2021

11981 DUTCH SETTLEMENT RD

THREE RIVERS, MI 49093
2
Baths
1,840 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
1904
Year BuiltThe year the home was originally built, according to county records.

Valuation

$407K
$395K low$419K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$293,000 · Dec 15, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,259 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$172,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$135,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$154,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$345,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
65
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyST. JOSEPH
Lot (acres)The size of the land the home sits on, from county records.5.00
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Norton Elementary SchoolB
Elementary · Grades KG–5 · 3.7 mi
M
Three Rivers Middle SchoolC+
Middle · Grades 6–8 · 5.8 mi
H
Three Rivers High SchoolB
High · Grades 9–12 · 6.0 mi

District: Three Rivers Community Schools

Neighborhood · ZIP 49093These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.119
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.17,961
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.161 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,264
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,878
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

11981 Dutch Settlement Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 88% of homes in St. Joseph County
  • Costs more per square foot than 79% of homes in St. Joseph County
  • Bigger than 76% of homes in Three Rivers 49093
  • Has a bigger lot than 89% of homes in Three Rivers 49093
  • Older than 85% of homes in St. Joseph County

What homes are worth in Three Rivers 49093

Each bar is how many homes fall in that price range. The marker is this home.

This home
$41K$887K

This home is worth more than 84% of homes in Three Rivers 49093.

How it measures up in Three Rivers 49093

The dot is this home. The mark in the middle is the typical home in Three Rivers 49093.

Estimated value$407,233
CheaperTypical $221,517Pricier

Pricier than 84% of homes nearby

Price per ft²$221
CheaperTypical $165Pricier

Pricier than 73% of homes nearby

Living area1,840 ft²
SmallerTypical 1,439 ft²Bigger

Bigger than 76% of homes nearby

Lot size5 ac
SmallerTypical 0.46 acBigger

Bigger than 89% of homes nearby

Year built1904
OlderTypical 1962Newer

Newer than 21% of homes nearby

How 11981 Dutch Settlement Rd ranks against every home in each area.
MeasureThis homeThree Rivers 49093St. Joseph County
Estimated valuepricier than$407,23384% of homes88% of homes
Price per ft²pricier than$22173% of homes79% of homes
Living areabigger than1,840 ft²76% of homes76% of homes
Lot sizebigger than5 ac89% of homes89% of homes
Year builtnewer than190421% of homes15% of homes

About 11981 Dutch Settlement Rd

How much is 11981 Dutch Settlement Rd, Three Rivers, MI worth?

The TopHap Estimate for 11981 Dutch Settlement Rd, Three Rivers, MI is $407,233 as of Oct 21, 2026. The likely range is $395,069 to $419,397. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11981 Dutch Settlement Rd, Three Rivers, MI last sell?

11981 Dutch Settlement Rd, Three Rivers, MI last sold on Dec 15, 2021 for $293,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 11981 Dutch Settlement Rd, Three Rivers, MI?

11981 Dutch Settlement Rd, Three Rivers, MI has 2 bathrooms, 1,840 square feet of living space and a 5.00-acre lot.

When was 11981 Dutch Settlement Rd, Three Rivers, MI built?

11981 Dutch Settlement Rd, Three Rivers, MI was built in 1904, making it 122 years old.

What schools serve 11981 Dutch Settlement Rd, Three Rivers, MI?

11981 Dutch Settlement Rd, Three Rivers, MI is assigned to Norton Elementary School (elementary), rated B; Three Rivers Middle School (middle), rated C+; Three Rivers High School (high), rated B. All sit in Three Rivers Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11981 Dutch Settlement Rd, Three Rivers, MI compare to other homes in Three Rivers 49093?

Among the 7,773 homes in Three Rivers 49093, it is worth more than 84% of them ($407,233 against a typical $221,517), its price per square foot is higher than 73% of them ($221 against a typical $165), it is bigger than 76% of them (1,840 ft² against a typical 1,439 ft²), its lot is bigger than 89% of them (5 ac against a typical 0.46 ac) and it is newer than 21% of them (1904 against a typical 1962). Measured against all of St. Joseph County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 11981 Dutch Settlement Rd, Three Rivers, MI?

The 2025 property tax bill for 11981 Dutch Settlement Rd, Three Rivers, MI was $3,259. The county assessed it at $172,600.

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