St. Joseph County property record for 12910 Spence Rd, Three Rivers, MI 49093 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,190 sqft · built 1995 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,753 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-450-006-00 |
| Primary APN | 004-450-006-00 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,190 sqft Living Area |
| 1st Floor Area | 1,407 sqft |
| Basement Area | 951 sqft |
| Unfinished Basement | 951 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 133 ft deep x 122 ft wide |
| Garage Area | 976 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12910 SPENCE RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-8402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 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 | 6 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | FABIUS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 41102 |
Source: St. Joseph County records · APN 004-450-006-00
Assessment roll updated July 24, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 12910 SPENCE RD, THREE RIVERS, MI 49093-8402 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Book / Page | 669 / 377 |
| Last Transfer Date | Aug 13, 2013 |
| Transfer Doc | 1721/0172 |
| Record Updated | Sep 20, 2026 |
Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Fabius Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $484,500 (+0.73%) Land $104,900 Building $379,600 | $969,000 (+0.73%) Land $209,800 Building $759,200 | |
| 2025 | $4,753.00 Homeowner's exemption | $481,000 Land $106,700 Building $374,300 | $962,000 Land $213,400 Building $748,600 |
Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490411021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Low above 5% of the US · above 12% of Michigan |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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