St. Joseph County property record for 13238 Spence Rd, Three Rivers, MI 49093
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,320 sqft · built 1967 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,653 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-380-009-00 |
| Primary APN | 004-380-009-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 164 ft deep x 59.8 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 13238 SPENCE RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-9707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LR |
| Legal Description | LOT 9 SHADY POINT SUB-DIV. SEC 10 T6S R12W. |
| Legal Range | 12W |
| Legal Township | 06S |
| Legal Section | 10 |
| Legal Subdivision | SHADY POINT SUB-DIV |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | FABIUS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 41102 |
13238 Spence Rd is owned by two individuals who acquired it in July 2001.
Source: St. Joseph County records, as of July 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13237 SPENCE RD, THREE RIVERS, MI 49093-9707 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2001 |
| Deed Sale | Jul 13, 2001 |
| Prior Sale | Jul 30, 1999 |
| Deed Book / Page | 998 / 300 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 13238 SPENCE RD, THREE RIVERS, MI 49093-9707 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020005216 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 2020005216 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Sep 1, 2032 |
The 2025 property tax bill for 13238 Spence Rd was $4,653.
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Fabius Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $217,600 Land $64,300 Building $153,300 | $435,200 Land $128,600 Building $306,600 | |
| 2025 | $4,653.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13238 Spence Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 risk around 13238 Spence Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 72 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.
5G and 4G LTE (outdoors only)
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