13309 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13309 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,532 sqft · built 1969
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,900 (Sep 2017)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-390-001-00`

Property Details

APN / Parcel Number

Primary APN	`004-390-001-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,532 sqft Living Area
1st Floor Area	1,532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Tri-Level
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	146 ft deep x 258 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13309 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-9705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	LOTS 67 68 69 & 70 SHADY POINT #1 SEC 10 T6S R12W. ALSO EASE OVER LOT 1 SHADY POINT SUB. (004-390-004-00 COMB W/ THIS PCL FOR
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB
Legal Lot Number	67
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1020
Census Tract	41102

Owner

Source: St. Joseph County records, 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 Record
Mailing Address	13309 SPENCE RD, THREE RIVERS, MI 49093-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2017 · Amount on Record
Deed Sale	Sep 5, 2017 · Amount on Record
Prior Sale	Feb 1, 2016 · Amount on Record
Deed Book / Page	1884 / 28
Prior Transfer Date	Aug 24, 2017
Prior Transfer Doc	1884/0028
Record Updated	Oct 29, 2026

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 5, 2017
Property Address	13309 SPENCE RD, THREE RIVERS, MI 49093-9705
Document Number	1884/0028
Book / Page	1884 / 0028
Map Reference	LB4 PG24
Instrument Date	Aug 24, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2565 DEVINNEY CT, 2565, GOLDEN, CO 80401-2152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1122 WINTER CHERRY LN, VICKSBURG, MI 49097-9486

Mortgage

Document Number	18840030
Date	Sep 5, 2017
Instrument	1884/0030

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

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		$180,100 (+31.08%) Land $21,500 Building $158,600	$360,200 (+31.08%) Land $43,000 Building $317,200
2025	$2,097.00 Homeowner's exemption	$137,400 Land $16,200 Building $121,200	$274,800 Land $32,400 Building $242,400

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 A, within 500 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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 & Communications Fiber	1,000 / 1,000

May also be available: Mercury Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Spence Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures