St. Joseph County property record for 12878 Spence Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,442 sqft · built 1945 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,446 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-450-004-00 |
| Primary APN | 004-450-004-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,442 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 131 ft deep x 115 ft wide |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12878 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 4 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 | 4 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | FABIUS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 41102 |
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 12878 SPENCE RD, THREE RIVERS, MI 49093-8401 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2001 |
| Deed Sale | Oct 9, 2001 |
| Prior Sale | Dec 6, 1999 |
| Deed Book / Page | 1015 / 189 |
| Record Updated | Sep 20, 2026 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Fabius Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $303,900 Land $99,200 Building $204,700 | $607,800 Land $198,400 Building $409,400 | |
| 2025 | $3,446.00 Homeowner's exemption |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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.
5G and 4G LTE (outdoors only)
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