13249 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13249 Spence Rd, Three Rivers, MI 49093 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 1950
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2021)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	Oct 2022 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-380-060-00`

Property Details

APN / Parcel Number

Primary APN	`004-380-060-00`

Interior

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

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	154 ft deep x 90 ft wide
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13249 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60 & ELY 1/2 OF LOT 59 SHADY POINT SUB SEC 10 T6S R12W. ALSO EASE OVER LOT 10 DESC L-439 P-994. (BDY CHG W/ 004-380-058-0
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB
Legal Lot Number	59,60
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1020
Census Tract	41102

Owner

Source: St. Joseph County records · APN 004-380-060-00

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	Individual Name on File
Mailing Address	13249 SPENCE RD, THREE RIVERS, MI 49093-9707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Intrafamily Transfer, Transfer
Dec 14, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 10, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Prior Sale	Dec 10, 2019 · Amount on Record
Deed Document Number	202112580
Last Transfer Date	Oct 14, 2022
Transfer Doc	0000009099
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 21, 2022
Property Address	13249 SPENCE RD, THREE RIVERS, MI 49093-9707
Document Number	2022009100
Instrument Date	Oct 14, 2022
Instrument	2022009100
Transaction Type	Transfer
Record Updated	Nov 03, 2022

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	13249 SPENCE RD, THREE RIVERS, MI 49093-9707

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 14, 2021
Property Address	13249 SPENCE RD, THREE RIVERS, MI 49093-9707
Document Number	2021012580
Map Reference	MB 3 PG 72
Instrument Date	Dec 14, 2021
Instrument	2021012580
Transaction Type	Transfer
Record Updated	Jan 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13249 SPENCE RD, 13249, THREE RIVERS, MI 49093-9707

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	58072 AVERY RD, THREE RIVERS, MI 49093-9556

Mortgage

Date	Dec 14, 2021

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 10, 2019
Property Address	13249 SPENCE RD, THREE RIVERS, MI 49093-9707
Document Number	01987/0870
Book / Page	1987 / 0870
Map Reference	LB 3 PG 72
Instrument Date	Dec 09, 2019
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5409 APACHE RD, 5409, LOUISVILLE, KY 40207-1611

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	123 N ANDREWS ST, THREE RIVERS, MI 49093-2225

Mortgage

Document Number	0001987872
Date	Dec 10, 2019
Instrument	1987/872

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

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		$161,000 (+10.05%) Land $9,500 Building $151,500	$322,000 (+10.05%) Land $19,000 Building $303,000
2025	$2,632.00 Homeowner's exemption	$146,300 Land $7,100 Building $139,200	$292,600 Land $14,200 Building $278,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), updated June 4, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261490411021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 5% of the US · above 11% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 72 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Midwest Energy Cooperative	Fiber	1,000 / 1,000

May also be available at this address: Mercury Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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