12974 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 12974 Spence Rd, Three Rivers, MI 49093 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 780 sqft · built 1959
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Dec 2017)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`004-450-013-00`

Property Details

APN / Parcel Number

Primary APN	`004-450-013-00`

Interior

Full Baths	2 Baths
Building Area	780 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	200 ft deep x 54 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	12974 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-8402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 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	13
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 004-450-013-00

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	2 Individual Names on File
Mailing Address	12974 SPENCE RD, THREE RIVERS, MI 49093-8402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2017 · Amount on Record
Deed Sale	Dec 27, 2017 · Amount on Record
Prior Sale	Sep 27, 2016 · Amount on Record
Deed Document Number	20171898-0238
Deed Book / Page	1898 / 238
Record Updated	Sep 20, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 27, 2017
Property Address	12974 SPENCE RD, THREE RIVERS, MI 49093-8402
Document Number	1898/0238
Book / Page	1898 / 0238
Map Reference	LB3 PG73
Instrument Date	Dec 20, 2017
Instrument	1898-0238
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Tax	$2,881.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21611 WOLF RD, 21611, FRANKFORT, IL 60423-9764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 S ASHLAND AVE, LA GRANGE, IL 60525-2822

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$379,700	$759,400
2025	$2,859.00 Homeowner's exemption

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 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.