13327 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13327 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,571 sqft · built 2004
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jan 2024)
Tax Bill	$1,903 (2025)
Deeds & Mortgages	Jan 2024 Sale Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-390-005-00`

Property Details

APN / Parcel Number

Primary APN	`004-390-005-00`

Interior

Full Baths	2 Baths
Building Area	1,571 sqft Living Area
1st Floor Area	1,551 sqft
Basement Area	1,551 sqft
Unfinished Basement	1,551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	147 ft deep x 92 ft wide
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13327 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	LOT 71 & N 1/2 LOT 72 SHADY POINT #1 SEC 10 T6S R12W. ALSO EASE OVER LOT 1 SHADY POINT SUB.
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB
Legal Lot Number	71,72
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 20, 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	13327 SPENCE RD, THREE RIVERS, MI 49093-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Apr 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Apr 11, 2017	Warranty Deed, Transfer TITLE RESOURCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2024 · Amount on Record
Deed Sale	Jan 26, 2024 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 26, 2024
Property Address	13327 SPENCE RD, THREE RIVERS, MI 49093-9705
Document Number	2024000531
Map Reference	LB 3 PG 72
Instrument Date	Jan 24, 2024
Instrument	2024000531
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13327 SPENCE RD, THREE RIVERS, MI 49093-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5311 PINE RD, PLYMOUTH, IN 46563-9732

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13327 SPENCE RD, THREE RIVERS, MI 49093-9705
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	TITLE RESOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021006964
Date	Jul 6, 2021
Instrument	2021006964

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13327 SPENCE RD, THREE RIVERS, MI 49093-9705
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1865/0237
Date	Apr 10, 2017
Book Page	1865/0237

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	OSHTEMO, MI 49077

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 11, 2017
Property Address	13327 SPENCE RD, THREE RIVERS, MI 49093-9705
Document Number	1865/0432
Book / Page	1865 / 0432
Map Reference	LB3 PG72
Instrument Date	Mar 22, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	TITLE RESOURCE

Transaction

Amount	Amount Recorded
Tax	$1,797.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13327 SPENCE RD, 13327, THREE RIVERS, MI 49093-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13327 SPENCE RD, THREE RIVERS, MI 49093-9705

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

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		$186,800 (+34.78%)	$373,600 (+34.78%)
2025	$1,903.00 Homeowner's exemption
2023		$138,600 Land $5,600 Building $133,000	$277,200 Land $11,200 Building $266,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 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

Cell Coverage

5G and 4G LTE (outdoors only)

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