13016 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13016 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	1 ba · 744 sqft · built 1950
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Company Names on Record
Last Sale	$170,000 (Mar 2021)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-450-018-00`

Property Details

APN / Parcel Number

Primary APN	`004-450-018-00`

Interior

Full Baths	1 Bath
Building Area	744 sqft Living Area
1st Floor Area	744 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	135 ft deep x 57 ft wide

Location & Zoning

Street Address	13016 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOT 18 SUPERVISORS PLAT NO. 2. SEC 10 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SUPERVISORS PLAT NO 2
Legal Lot Number	18
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	2 Company Names on Record
Mailing Address	57610 STOLDT RD, THREE RIVERS, MI 49093-8608
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	20211961
Last Transfer Date	Apr 23, 2025
Transfer Doc	2025003667
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 1, 2021
Property Address	13016 SPENCE RD, THREE RIVERS, MI 49093
Document Number	2021001961
Map Reference	LB 3 PG 73
Instrument Date	Jan 12, 2021
Instrument	2021001961
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	907 PINE ST, 907, WIXOM, MI 48393

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	57610 STOLDT RD, THREE RIVERS, MI 49093-8529

Mortgage

Date	Mar 1, 2021

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2036

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		$124,900 (+18.61%) Land $57,200 Building $67,700	$249,800 (+18.61%) Land $114,400 Building $135,400
2025	$3,913.00	$105,300 Land $58,200 Building $47,100	$210,600 Land $116,400 Building $94,200

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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