12949 Lance Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12949 Lance Rd, Three Rivers, MI 49093 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 4,320 sqft · built 1973
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual Name on File
Last Sale	$275,500 (Apr 2024)
Tax Bill	$1,571 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-009-001-08`

Property Details

APN / Parcel Number

Primary APN	`004-009-001-08`

Interior

Full Baths	2 Baths
Building Area	4,320 sqft Living Area
1st Floor Area	4,320 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	170 ft deep x 72 ft wide

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	12949 LANCE RD
City	THREE RIVERS
State	MI
Zip	49093-8460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR LOT 11 OAK RIDGE SEC 9 T6S R12W TH S 00D 16M E 225.9 FT TO POB TH N 225.9 FT TO SW COR SD LOT TH S 89D 34M E ALG S
Legal Range	12W
Legal Township	06S
Legal Section	09
Legal Lot Number	10-11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1015
Census Tract	41102

Owner

Source: St. Joseph County records · APN 004-009-001-08

Assessment roll updated August 11, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	12949 LANCE RD, THREE RIVERS, MI 49093-8460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Deed Document Number	20243153
Prior Transfer Date	Aug 10, 2004
Prior Transfer Doc	1255000300
Record Updated	Sep 20, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 25, 2024
Property Address	12949 LANCE RD, THREE RIVERS, MI 49093-8460
Document Number	2024003153
Instrument Date	Apr 24, 2024
Instrument	2024003153
Transaction Type	Transfer
Record Updated	May 13, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,066.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10061 WOODLAWN DR, PORTAGE, MI 49002-7222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 21, STURGIS, MI 49091-0021

Mortgage

Document Number	2024003154
Date	Apr 25, 2024
Instrument	2024003154

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 2026

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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,800 (+52.17%)	$329,600 (+52.17%)
2025	$1,571.00 Homeowner's exemption
2023		$108,300 Land $16,000 Building $92,300	$216,600 Land $32,000 Building $184,600

Flood & Wildfire

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

Flood

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

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.