12966 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12966 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,056 sqft · built 1956
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$108,500 (Jul 1994)
Tax Bill	$7,831 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-450-012-00`

Property Details

APN / Parcel Number

Primary APN	`004-450-012-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	194 ft deep x 58 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12966 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 12 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	12
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1012
Census Tract	41102

Owner

Source: St. Joseph County records · APN 004-450-012-00

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	2 Individual Names on File
Mailing Address	3758 TIMBER CREEK LN, NAPERVILLE, IL 60565-3540
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 1994 · Amount on Record
Deed Sale	Jul 29, 1994 · Amount on Record
Deed Book / Page	710 / 100
Last Transfer Date	Oct 13, 2011
Transfer Doc	01629/0564
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 23, 2020
Property Address	12966 SPENCE RD, THREE RIVERS, MI 49093-8402
Document Number	2020003659
Map Reference	LB 3 PG 73
Instrument Date	Jul 11, 2020
Instrument	2020003659
Transaction Type	Transfer
Record Updated	Mar 09, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12966 SPENCE RD, THREE RIVERS, MI 49093-8402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3758 TIMBER CREEK LN, NAPERVILLE, IL 60565-3540

Mortgage

Date	Jul 23, 2020

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$232,800 (-1.4%) Land $67,100 Building $165,700	$465,600 (-1.4%) Land $134,200 Building $331,400
2025	$7,831.00	$236,100 Land $68,200 Building $167,900	$472,200 Land $136,400 Building $335,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy Cooperative Fiber	1,000 / 1,000

May also be available: Mercury Broadband.

Based on FCC filings for 75 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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