St. Joseph County property record for 12886 Spence Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 810 sqft · built 1970 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,211 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-450-005-00 |
| Primary APN | 004-450-005-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 810 sqft Living Area |
| 1st Floor Area | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 125 ft deep x 120 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12886 SPENCE RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LR |
| Legal Description | LOT 5 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 | 5 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 58107 KERR CREEK RD, THREE RIVERS, MI 49093-8917 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Book / Page | 538 / 15 |
| Last Transfer Date | Jun 24, 2024 |
| Transfer Doc | 2024004679 |
| 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 | $210,900 (+2.03%) Land $100,700 Building $110,200 | $421,800 (+2.03%) Land $201,400 Building $220,400 | |
| 2025 | $4,211.00 | $206,700 Land $102,400 Building $104,300 | $413,400 Land $204,800 Building $208,600 |
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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