12954 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12954 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,024 sqft · built 1966
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2007)
Tax Bill	$1,389 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`004-450-011-00`

Property Details

APN / Parcel Number

Primary APN	`004-450-011-00`

Interior

Full Baths	2 Baths
Building Area	1,024 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	186 ft deep x 58 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	12954 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	LOT 11 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	11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1012
Census Tract	41102

Owner

Source: St. Joseph County records, as of July 20, 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	8137 KEY WEST DOVE ST, WINTER GARDEN, FL 34787-6228
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Dec 26, 2017	Deed of Trust, Mortgage QUICKEN LOANS INC
Jun 18, 2013	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 6, 2010	Deed of Trust, Mortgage · Conventional Mortgage CHARLES SCHWAB BANK NA
Dec 26, 2017	Deed of Trust, Mortgage QUICKEN LOANS INC
Aug 5, 2021	Intrafamily Transfer, Transfer
Jul 3, 2007	Warranty Deed, Transfer · ARM CHARLES SCHWAB BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2007 · Amount on Record
Deed Sale	Jul 3, 2007 · Amount on Record
Prior Sale	Aug 19, 1991 · Amount on Record
Deed Book / Page	1443 / 750
Last Transfer Date	Jul 2, 2021
Transfer Doc	2021007916
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008616
Date	Dec 14, 2020
Instrument	2020008616

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01898/0024
Date	Dec 26, 2017
Book Page	1898/0024
Instrument	1898-0024

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	VT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01708/0069
Date	Jun 18, 2013
Book Page	1708/0069

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate
Rate	2.75%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	VT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01589/0426
Date	Oct 6, 2010
Book Page	1589/0426

Lender

Name	CHARLES SCHWAB BANK NA
Type	Bank
Address	RENO, NV 89502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2040

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1898/0024
Date	Dec 26, 2017
Book Page	1898/0024
Instrument	1898-0024

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 5, 2021
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Document Number	2021007916
Map Reference	LB 3 G 73
Instrument Date	Jul 2, 2021
Instrument	2021007916
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8137 KEY WEST DOVE ST, WINTER GARDEN, FL 34787-6228

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 3, 2007
Property Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402
Document Number	01443/0750
Book / Page	1443 / 0750
Map Reference	LB3 PG73
Instrument Date	Jun 28, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	DEVON TITLE THREE RIVERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,279.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12954 SPENCE RD, THREE RIVERS, MI 49093-8402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 CRANSHIRE LN, NAPERVILLE, IL 60565-6749

Mortgage

Document Number	0014430751
Date	Jul 3, 2007
Instrument	1443/0751

Lender

Name	CHARLES SCHWAB BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.24%
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.2%
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$207,800 (+8.23%)	$415,600 (+8.23%)
2025	$1,389.00	$192,000 Land $67,100 Building $124,900	$384,000 Land $134,200 Building $249,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Internet Providers

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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