St. Joseph County property record for 12951 Spence Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,248 sqft · built 1961 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,644 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-380-033-00 |
| Primary APN | 004-380-033-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Lot Area | 37,462 sqft (0.86 acres) |
| Lot Dimensions | 155 ft deep x 156 ft wide |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12951 SPENCE RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-8402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LR |
| Legal Description | LOTS 33 & 34 SHADY POINT SUB SEC 9 T6S R12W. ALSO COM SE COR SD SEC TH W 271.83 FT TO POB TH W 88.88 FT TH N TO SW COR LOT 33 |
| Legal Range | 12W |
| Legal Township | 06S |
| Legal Section | 09 |
| Legal Subdivision | SHADY POINT SUB |
| Legal Lot Number | 33-34 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | FABIUS |
| Census Block Group | 1 |
| Census Block | 1020 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 12951 SPENCE RD, THREE RIVERS, MI 49093-8402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2002 |
| Deed Sale | Sep 6, 2002 |
| Prior Sale | Jun 27, 1996 |
| Deed Book / Page | 1096 / 464 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 12951 SPENCE RD, THREE RIVERS, MI 49093-8402 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | DEVON TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2021003124 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2021003124 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
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 | $152,400 Land $16,200 Building $136,200 | $304,800 Land $32,400 Building $272,400 | |
| 2025 | $1,644.00 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 500 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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