13280 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13280 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,368 sqft · built 1969
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2003)
Tax Bill	$9,306 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-380-003-00`

Property Details

APN / Parcel Number

Primary APN	`004-380-003-00`

Interior

Full Baths	2 Baths
Building Area	1,368 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	163 ft deep x 130 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13280 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	LOTS 3 & 4 SHADY POINT SUB. SEC 10 T6S R12W.
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB
Legal Lot Number	3-4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1012
Census Tract	41102

Owner

Source: St. Joseph County assessment roll, 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 Individual Names on File
Mailing Address	5352 S SAYRE AVE, CHICAGO, IL 60638-1024
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 2003 · Amount on Record
Deed Sale	Jul 23, 2003 · Amount on Record
Deed Book / Page	1173 / 741
Last Transfer Date	Aug 10, 2015
Transfer Doc	1797/0943
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13280 SPENCE RD, THREE RIVERS, MI 49093-9707
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5352 S SAYRE AVE, CHICAGO, IL 60638-1024

Mortgage

Document Number	2022000408
Date	Jan 12, 2022
Instrument	2022000408

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$305,100 (+2.04%) Land $119,400 Building $185,700	$610,200 (+2.04%) Land $238,800 Building $371,400
2025	$9,306.00	$299,000 Land $123,300 Building $175,700	$598,000 Land $246,600 Building $351,400

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 at the parcel

Internet Providers

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 Cooperative Fiber	1,000 / 1,000

May also be available: Mercury Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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