13080 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13080 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,248 sqft · built 1974
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,106 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-380-024-00`

Property Details

APN / Parcel Number

Primary APN	`004-380-024-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,248 sqft Living Area
1st Floor Area	2,248 sqft
Basement Area	1,624 sqft
Unfinished Basement	1,624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	185 ft deep x 60 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13080 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 24 SHADY POINT SUB-DIV. SEC 10 & 15 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB-DIV
Legal Lot Number	24
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	13080 SPENCE RD, THREE RIVERS, MI 49093-8403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Mar 17, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 1999
Deed Sale	Nov 15, 1999
Prior Sale	May 28, 1999 · Amount on Record
Deed Book / Page	915 / 468
Last Transfer Date	Mar 15, 2021
Transfer Doc	2021002668
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13080 SPENCE RD, THREE RIVERS, MI 49093-8403
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13080 SPENCE RD, THREE RIVERS, MI 49093-8403

Mortgage

Document Number	2023002112
Date	Apr 4, 2023
Instrument	2023002112

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	12.2%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13080 SPENCE RD, THREE RIVERS, MI 49093-8403
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13080 SPENCE RD, THREE RIVERS, MI 49093-8403

Mortgage

Document Number	2023002158
Date	Apr 5, 2023
Instrument	2023002158

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 17, 2021
Property Address	13080 SPENCE RD, THREE RIVERS, MI 49093-8403
Document Number	2021002668
Map Reference	LB 3 PG 72
Instrument Date	Mar 15, 2021
Instrument	2021002668
Transaction Type	Transfer
Record Updated	Jul 22, 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
Address	13080 SPENCE RD, THREE RIVERS, MI 49093-8403

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		$372,600 (+3.88%)	$745,200 (+3.88%)
2025	$2,106.00 Homeowner's exemption	$358,700 Land $69,900 Building $288,800	$717,400 Land $139,800 Building $577,600

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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