St. Joseph County property record for 13294 Spence Rd, Three Rivers, MI 49093 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,673 sqft · built 1979 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Jun 2026) |
| Tax Bill | $2,979 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Aug 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-380-002-00 |
| Primary APN | 004-380-002-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,673 sqft Living Area |
| 1st Floor Area | 1,610 sqft |
| Basement Area | 1,610 sqft |
| Unfinished Basement | 1,610 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 149 ft deep x 60 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 13294 SPENCE RD |
|---|---|
| City | THREE RIVERS |
| State | MI |
| Zip | 49093-9707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 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 | 2 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | FABIUS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 41102 |
Source: St. Joseph County records · APN 004-380-002-00
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 | 13314 PLEASANT LAKE CREEK RD, THREE RIVERS, MI 49093-9706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE |
| Aug 24, 2017 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Aug 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Deed Document Number | 20265098 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jun 22, 2026 |
| Property Address | 13294 SPENCE RD, THREE RIVERS, MI 49093-9707 |
| Document Number | 0000005098 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20265098 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | PATRICK ABSTRACT AND TITLE, PATRICK ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $416,625.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13314 PLEASANT LAKE CREEK RD, THREE RIVERS, MI 49093-9706 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 13294 SPENCE RD, THREE RIVERS, MI 49093-9707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1882/0481 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 1882/0481 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 13294 SPENCE RD, THREE RIVERS, MI 49093-9707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1882/0472 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 1882/0472 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 01, 2027 |
Source: St. Joseph County records · Assessment roll updated July 24, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Fabius Township |
| Unified School District | Three Rivers Community Schools (PK - 12) |
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 | $281,100 Land $62,000 Building $219,100 | $562,200 Land $124,000 Building $438,200 | |
| 2025 | $2,979.00 Homeowner's exemption |
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
| 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 100 ft |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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