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Single Family ResidenceResidential
$481,376$248 / ft²
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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

13015 SPENCE RD

THREE RIVERS, MI 49093
2.5
Baths
1,938 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.03 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$481K
$439K low$524K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$441,376
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$353,101
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.9%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$40,000
PEOPLES FEDERAL SAVINGS BANK OF DEKALB C · recorded Aug 31, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,598 (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.$224,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$208,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$203,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$449,400

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.8 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.1.03
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 1.8 mi
M
Three Rivers Middle SchoolC+
Middle · Grades 6–8 · 4.4 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

13015 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 more than 93% of homes in St. Joseph County
  • Costs more per square foot than 87% of homes in St. Joseph County
  • Bigger than 80% of homes in St. Joseph County
  • Has a bigger lot than 72% of homes in Three Rivers 49093
  • Newer than 78% 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
$56K$803K

This home is worth more than 91% 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$481,376
CheaperTypical $204,853Pricier

Pricier than 91% of homes nearby

Price per ft²$248
CheaperTypical $155Pricier

Pricier than 82% of homes nearby

Living area1,938 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 79% of homes nearby

Lot size1.03 ac
SmallerTypical 0.46 acBigger

Bigger than 72% of homes nearby

Year built1989
OlderTypical 1962Newer

Newer than 78% of homes nearby

How 13015 Spence Rd ranks against every home in each area.
MeasureThis homeThree Rivers 49093St. Joseph County
Estimated valuepricier than$481,37691% of homes93% of homes
Price per ft²pricier than$24882% of homes87% of homes
Living areabigger than1,938 ft²79% of homes80% of homes
Lot sizebigger than1.03 ac72% of homes69% of homes
Year builtnewer than198978% of homes74% of homes

About 13015 Spence Rd

How much is 13015 Spence Rd, Three Rivers, MI worth?

The TopHap Estimate for 13015 Spence Rd, Three Rivers, MI is $481,376 as of Jul 14, 2026. The likely range is $438,596 to $524,156. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 13015 Spence Rd, Three Rivers, MI last sell?

13015 Spence Rd, Three Rivers, MI last sold on Jan 1, 1901, according to the county's recorded deed.

How big is 13015 Spence Rd, Three Rivers, MI?

13015 Spence Rd, Three Rivers, MI has 2.5 bathrooms, 1,938 square feet of living space and a 1.03-acre lot.

When was 13015 Spence Rd, Three Rivers, MI built?

13015 Spence Rd, Three Rivers, MI was built in 1989, making it 37 years old. The building has 2 stories.

What schools serve 13015 Spence Rd, Three Rivers, MI?

13015 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 13015 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 91% of them ($481,376 against a typical $204,853), its price per square foot is higher than 82% of them ($248 against a typical $155), it is bigger than 79% of them (1,938 ft² against a typical 1,440 ft²), its lot is bigger than 72% of them (1.03 ac against a typical 0.46 ac) and it is newer than 78% of them (1989 against a typical 1962). Measured against all of St. Joseph County, it is worth more than 93% 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 13015 Spence Rd, Three Rivers, MI?

The 2025 property tax bill for 13015 Spence Rd, Three Rivers, MI was $2,598. The county assessed it at $224,700.

Closest homes

More homes in Three Rivers 49093

Assigned schools

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