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Single Family ResidenceResidential
$168,783
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 60How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

12842 SPENCE RD

THREE RIVERS, MI 49093
0
Baths
14.04 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$169K
$101K low$236K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$511 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$72,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$64,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$7,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$144,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.27 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyST. JOSEPH
Lot (acres)The size of the land the home sits on, from county records.14.04
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Norton Elementary SchoolB+
Elementary · Grades KG–5 · 1.7 mi
M
Three Rivers Middle SchoolC+
Middle · Grades 6–8 · 4.5 mi
H
Three Rivers High SchoolA-
High · Grades 9–12 · 4.5 mi

District: Three Rivers Community Schools

Neighborhood · ZIP 49093These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.119
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.17,961
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.161 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,264
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,878
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12842 Spence Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 65% of homes in Three Rivers 49093
  • Has a bigger lot than 96% of homes in Three Rivers 49093

What homes are worth in Three Rivers 49093

Each bar is how many homes fall in that price range. The marker is this home.

This home
$43K$860K

This home is worth more than 35% of homes in Three Rivers 49093.

How it measures up in Three Rivers 49093

The dot is this home. The mark in the middle is the typical home in Three Rivers 49093.

Estimated value$168,783
CheaperTypical $215,888Pricier

Pricier than 35% of homes nearby

Lot size14.04 ac
SmallerTypical 0.46 acBigger

Bigger than 96% of homes nearby

How 12842 Spence Rd ranks against every home in each area.
MeasureThis homeThree Rivers 49093St. Joseph County
Estimated valuepricier than$168,78335% of homes39% of homes
Lot sizebigger than14.04 ac96% of homes96% of homes

About 12842 Spence Rd

How much is 12842 Spence Rd, Three Rivers, MI worth?

The TopHap Estimate for 12842 Spence Rd, Three Rivers, MI is $168,783 as of Aug 30, 2026. The likely range is $101,330 to $236,236. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12842 Spence Rd, Three Rivers, MI last sell?

12842 Spence Rd, Three Rivers, MI last sold on Dec 7, 1995, according to the county's recorded deed.

What schools serve 12842 Spence Rd, Three Rivers, MI?

12842 Spence Rd, Three Rivers, MI is assigned to Norton Elementary School (elementary), rated B+; Three Rivers Middle School (middle), rated C+; Three Rivers High School (high), rated A-. All sit in Three Rivers Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12842 Spence Rd, Three Rivers, MI compare to other homes in Three Rivers 49093?

Among the 7,772 homes in Three Rivers 49093, it is worth more than 35% of them ($168,783 against a typical $215,888) and its lot is bigger than 96% of them (14.04 ac against a typical 0.46 ac). Measured against all of St. Joseph County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12842 Spence Rd, Three Rivers, MI?

The 2025 property tax bill for 12842 Spence Rd, Three Rivers, MI was $511. The county assessed it at $72,000.

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