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Single Family ResidenceResidential
$193,216$101 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

609 ELM ST

THREE RIVERS, MI 49093
4
Beds
2.5
Baths
1,904 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$193K
$176K low$211K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$168,091
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$134,473
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.15%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,125
FIRST SAVINGS BANK · recorded Jul 14, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,892 (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.$105,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$101,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$97,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$210,200

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.43
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
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.
62
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.0.16
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(1)

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
Hoppin Elementary SchoolA-
Elementary · Grades KG–5 · 0.2 mi
M
Three Rivers Middle SchoolC+
Middle · Grades 6–8 · 0.7 mi
H
Three Rivers High SchoolA-
High · Grades 9–12 · 0.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

609 Elm St 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.

  • Costs less per square foot than 76% of homes in Three Rivers 49093
  • Bigger than 78% of homes in Three Rivers 49093
  • Has a smaller 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
$56K$821K

This home is worth more than 46% 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$193,216
CheaperTypical $206,583Pricier

Pricier than 46% of homes nearby

Price per ft²$101
CheaperTypical $155Pricier

Pricier than 24% of homes nearby

Living area1,904 ft²
SmallerTypical 1,436 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.16 ac
SmallerTypical 0.46 acBigger

Bigger than 11% of homes nearby

Year built1900
OlderTypical 1962Newer

Newer than 21% of homes nearby

How 609 Elm St ranks against every home in each area.
MeasureThis homeThree Rivers 49093St. Joseph County
Estimated valuepricier than$193,21646% of homes51% of homes
Price per ft²pricier than$10124% of homes27% of homes
Living areabigger than1,904 ft²78% of homes78% of homes
Lot sizebigger than0.16 ac11% of homes11% of homes
Year builtnewer than190021% of homes15% of homes

About 609 Elm St

How much is 609 Elm St, Three Rivers, MI worth?

The TopHap Estimate for 609 Elm St, Three Rivers, MI is $193,216 as of Jul 14, 2026. The likely range is $175,605 to $210,827. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 609 Elm St, Three Rivers, MI last sell?

609 Elm St, Three Rivers, MI last sold on Jan 1, 1901, according to the county's recorded deed.

How big is 609 Elm St, Three Rivers, MI?

609 Elm St, Three Rivers, MI has 4 bedrooms, 2.5 bathrooms, 1,904 square feet of living space and a 0.16-acre lot.

When was 609 Elm St, Three Rivers, MI built?

609 Elm St, Three Rivers, MI was built in 1900, making it 126 years old. The building has 1 story.

What schools serve 609 Elm St, Three Rivers, MI?

609 Elm St, Three Rivers, MI is assigned to Hoppin Elementary School (elementary), rated A-; Three Rivers Middle School (middle), rated C+; Three Rivers High School (high), rated A-. All sit in Three Rivers Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 609 Elm St, 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 46% of them ($193,216 against a typical $206,583), its price per square foot is higher than 24% of them ($101 against a typical $155), it is bigger than 78% of them (1,904 ft² against a typical 1,436 ft²), its lot is bigger than 11% of them (0.16 ac against a typical 0.46 ac) and it is newer than 21% of them (1900 against a typical 1962). Measured against all of St. Joseph County, it is worth more than 51% 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 609 Elm St, Three Rivers, MI?

The 2025 property tax bill for 609 Elm St, Three Rivers, MI was $2,892. The county assessed it at $105,100.

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Closest homes

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Assigned schools

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