13778 Spence Rd, Three Rivers, MI 49093 Property Records

St. Joseph County property record for 13778 Spence Rd, Three Rivers, MI 49093 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1955
Square Footage	1,260 sqft Living Area
Lot Size	21,780 sqft (0.5 acres)
Garage	396 sqft
Occupancy	Owner Occupied
Last Sale	$175,500 (2026)
Tax Bill	$644.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`004-010-014-01`

Interior

Full Baths	1 Baths
Building Area	1,260 sqft Living Area
1st Floor	1,260 sqft 1st Floor
Basement Area	1,260 sqft Basement
Unfinished Basement	1,260 sqft Unfinished

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch Style
Lot Area	21,780 sqft (0.5 acres)
Depth X Width	120 ft x 180 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Area	396 sqft Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	13778 SPENCE RD
City	THREE RIVERS
State	MI
Zip	49093-9705
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	COM SE COR SEC 10 T6S R12W TH W ALG S SEC LN 1070.31 FT TO POB TH N 3D 15M W 107.62 FT TH W 156.80 FT TH S 107.43 FT TO S SEC
Legal Range	12W
Legal Township	06S
Legal Section	10
Jurisdiction	ST JOSEPH MI
Minor Civil Division	FABIUS
Census Blockgroup	1
Census Block	1012
Census Tract	41102

Owner

Source: St. Joseph County records · APN 004-010-014-01

Assessment roll updated August 11, 2025 · Last verified July 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	13778 SPENCE RD, THREE RIVERS, MI 49093-9705
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 05, 2026	Warranty Deed, Transfer · United States Department of Agriculture (USDA) Mortgage NEIGHBORHOOD LOANS
Nov 01, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Feb 06, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 05, 2026 · Amount on Record
Deed Sale	Mar 05, 2026 · Amount on Record
Prior Sale	Nov 01, 2023 · Amount on Record
Deed Doc Number	20261597
Record Refreshed	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 05, 2026
Property Address	13778 SPENCE RD, THREE RIVERS, MI 49093-9705
Document Number	2026001597
Instrument Date	Feb 27, 2026
Instrument	2026001597
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.25
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11582 PRAIRIE EDGE ST, SCHOOLCRAFT, MI 49087-8824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13778 SPENCE RD, THREE RIVERS, MI 49093-9705

Mortgage

Document Number	2026001598
Date	Mar 05, 2026
Instrument	2026001598

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	United States Department of Agriculture (USDA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 01, 2023
Property Address	13778 SPENCE RD, THREE RIVERS, MI 49093-9705
Document Number	2023007760
Instrument Date	Oct 20, 2023
Instrument	2023007760
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$772.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1060 MAPLECREST CT # CTA1, CTA1, THREE RIVERS, MI 49093-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11582 PRAIRIE EDGE ST, SCHOOLCRAFT, MI 49087-8824

Mortgage

Document Number	2023007761
Date	Nov 01, 2023
Instrument	2023007761

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 06, 2017
Property Address	13778 SPENCE RD, THREE RIVERS, MI 49093-9705
Document Number	1857/0504
Book / Page	1857 / 0504
Instrument Date	Jan 27, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	METRO ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$653.60
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13778 SPENCE RD, 13778, THREE RIVERS, MI 49093-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1060 MAPLECREST CT APT A1, A1, THREE RIVERS, MI 49093-2058

Mortgage

Document Number	18570505
Date	Feb 06, 2017
Instrument	1857/0505

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated August 11, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,700 (+12.03%)	$143,400 (+12.03%)
2025	$644.00 (-57.44%) Homeowner's exemption	$64,000 (+18.3%) Land $9,000 Building $55,000	$128,000 (+18.3%) Land $18,000 Building $110,000
2024	$1,513.00
2023		$54,100 Land $3,900 Building $50,200	$108,200 Land $7,800 Building $100,400

13778 Spence Rd, Three Rivers, MI 49093 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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