13002 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13002 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1960
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$236,000 (Oct 2004)
Tax Bill	$3,530 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-450-015-00`

Property Details

APN / Parcel Number

Primary APN	`004-450-015-00`

Interior

Full Baths	2 Baths
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	150 ft deep x 55 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	13002 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-8403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOT 15 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	15
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 24, 2026

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

Owner of Record	Company Name on Record
Mailing Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Sep 17, 2021	Intrafamily Transfer, Transfer
Jul 26, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2004 · Amount on Record
Deed Sale	Oct 7, 2004 · Amount on Record
Prior Sale	Jun 11, 1998 · Amount on Record
Deed Book / Page	1264 / 658
Last Transfer Date	Sep 17, 2021
Transfer Doc	2021009435
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403

Mortgage

Document Number	2021009614
Date	Sep 23, 2021
Instrument	2021009614

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 17, 2021
Property Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403
Document Number	2021009435
Map Reference	LB 3 PG 73
Instrument Date	Sep 17, 2021
Instrument	2021009435
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 26, 2021
Property Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403
Document Number	2021007603
Map Reference	LB 3 PG 73
Instrument Date	Jul 23, 2021
Instrument	2021007603
Transaction Type	Transfer
Record Updated	Mar 9, 2023

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	Tenants by the Entirety
Address	13002 SPENCE RD, THREE RIVERS, MI 49093-8403

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,400 (+2.56%) Land $58,000 Building $134,400	$384,800 (+2.56%) Land $116,000 Building $268,800
2025	$3,530.00 Homeowner's exemption	$187,600 Land $59,000 Building $128,600	$375,200 Land $118,000 Building $257,200

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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