13104 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13104 Spence Rd, Three Rivers, MI 49093 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 2000
Square Footage	1,512 sqft Living Area
Lot Size	32,670 sqft (0.75 acres)
Garage	648 sqft
Tax Bill	$7,804.00 (2025)

Owner

Source: St. Joseph County records · APN 004-380-022-01

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	293 W THISTLE RD, VALPARAISO, IN 46385-0011
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13104 SPENCE RD, THREE RIVERS, MI 49093-8404
Transaction Type	Mortgage
Record Updated	Feb 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13104 SPENCE RD, THREE RIVERS, MI 49093

Mortgage

Document Number	2022000595
Date	Jan 19, 2022
Instrument	2022000595

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2037

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		$282,300 Land $63,400 Building $218,900	$564,600 Land $126,800 Building $437,800
2025	$7,804.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`004-380-022-01`

Interior

Full Baths	1 Baths
Building Area	1,512 sqft Living Area
1st Floor	1,008 sqft 1st Floor
Basement Area	1,008 sqft Basement
Unfinished Basement	1,008 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	32,670 sqft (0.75 acres)
Depth X Width	137 ft x 60.9 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	648 sqft Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	13104 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-8404
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 22, 50 & W 1/2 LOT 51 SHADY POINT SUB SEC 10 & 15 T6S R12W. EST 0.56 A+/-. (REPLACES 004-380-022-00, -050-00 & -051-00 N
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB
Legal Lot Number	22,50
Jurisdiction	ST JOSEPH MI
Minor Civil Division	FABIUS
Census Blockgroup	1
Census Block	1020
Census Tract	41102