13356 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13356 Spence Rd, Three Rivers, MI 49093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,456 sqft · built 2004
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Mar 2015)
Tax Bill	$2,128 (2025)
Deeds & Mortgages	May 2021 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-390-011-00`

Property Details

APN / Parcel Number

Primary APN	`004-390-011-00`

Interior

Full Baths	2 Baths
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	156 ft deep x 133 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13356 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 77 & S 1/2 LOT 78 & N 45 FT LOT 76 SHADY POINT #1 SEC 10 T6S R12W. ALSO EASE OVER LOT 1 SHADY POINT SUB. (COMB 004-390-01
Legal Range	12W
Legal Township	06S
Legal Section	10
Legal Subdivision	SHADY POINT SUB
Legal Lot Number	77,78
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FABIUS
Census Block Group	1
Census Block	1012
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	Individual Name on Record
Mailing Address	13356 SPENCE RD, THREE RIVERS, MI 49093-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Line of Credit KELLOGG COMMUNITY CU
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2015 · Amount on Record
Deed Sale	Mar 17, 2015 · Amount on Record
Prior Sale	Sep 22, 2014 · Amount on Record
Deed Book / Page	1777 / 31
Prior Transfer Date	Nov 2, 2004
Prior Transfer Doc	1408/0675
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13356 SPENCE RD, THREE RIVERS, MI 49093-9705
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021005500
Date	May 21, 2021
Instrument	2021005500

Lender

Name	KELLOGG COMMUNITY CU
Type	Credit Union
Address	ALLEGAN, MI 49010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	13356 SPENCE RD, THREE RIVERS, MI 49093-9705
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021003276
Date	Apr 6, 2021
Instrument	2021003276

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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		$149,600 (+8.17%) Land $13,000 Building $136,600	$299,200 (+8.17%) Land $26,000 Building $273,200
2025	$2,128.00 Homeowner's exemption	$138,300 Land $9,800 Building $128,500	$276,600 Land $19,600 Building $257,000

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 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

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)

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