12850 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12850 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,611 sqft · built 1992
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,000 (Jul 2019)
Tax Bill	$2,758 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-450-001-00`

Property Details

APN / Parcel Number

Primary APN	`004-450-001-00`

Interior

Full Baths	2 Baths
Building Area	1,611 sqft Living Area
1st Floor Area	1,560 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	230 ft deep x 86 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12850 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-8401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOT 1 SUPERVISORS PLAT NO. 2. SEC 9 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	09
Legal Subdivision	SUPERVISORS PLAT NO 2
Legal Lot Number	1
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1012
Census Tract	41102

Owner

Source: St. Joseph County records, as of July 20, 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 Record
Mailing Address	12850 SPENCE RD, THREE RIVERS, MI 49093-8401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Intrafamily Transfer, Transfer
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Jul 11, 2019	Warranty Deed, Transfer · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2019 · Amount on Record
Deed Sale	Jul 11, 2019 · Amount on Record
Prior Sale	Mar 26, 1996
Deed Book / Page	1966 / 30
Last Transfer Date	Sep 16, 2025
Transfer Doc	2025007646
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 26, 2025
Property Address	12850 SPENCE RD, THREE RIVERS, MI 49093-8401
Document Number	2025007646
Instrument Date	Sep 16, 2025
Instrument	2025007646
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12850 SPENCE RD, THREE RIVERS, MI 49093-8401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12850 SPENCE RD, THREE RIVERS, MI 49093-8401

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12850 SPENCE RD, THREE RIVERS, MI 49093-8401
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020005139
Date	Sep 1, 2020
Instrument	2020005139

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	NORTH AURORA, IL 60542

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	May 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 11, 2019
Property Address	12850 SPENCE RD, THREE RIVERS, MI 49093-8401
Document Number	01966/0030
Book / Page	1966 / 0030
Map Reference	LB 3 PG 73
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Tax	$4,472.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12850 SPENCE RD, 12850, THREE RIVERS, MI 49093-8401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5525 N PARIS AVE, CHICAGO, IL 60656-1549

Mortgage

Document Number	0000196632
Date	Jul 11, 2019
Instrument	1966/32

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Fabius Township
Unified School District	Three Rivers Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$345,800 (+4.06%)	$691,600 (+4.06%)
2025	$2,758.00 (-75.08%) Homeowner's exemption	$332,300 Land $100,100 Building $232,200	$664,600 Land $200,200 Building $464,400
2024	$11,068.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy & Communications Fiber	1,000 / 1,000

May also be available: Mercury Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Spence Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures