1109 Tulip Dr, Sturgis, MI 49091 Property Records

St. Joseph County property record for 1109 Tulip Dr, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,288 sqft · built 1958
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jun 2024)
Tax Bill	$3,441 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052-560-015-00`

Property Details

APN / Parcel Number

Primary APN	`052-560-015-00`

Interior

Full Baths	1 Bath
Building Area	1,288 sqft Building Perimeter
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Area	308 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1109 TULIP DR
City	STURGIS
State	MI
Zip	49091-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 ROSELAWN TERRACE. CITY OF STURGIS.
Legal Subdivision	ROSELAWN TERRACE
Legal Lot Number	16
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	2
Census Block	2007
Census Tract	40800

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	1109 TULIP DR, STURGIS, MI 49091-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Apr 24, 2019	Warranty Deed, Transfer · ARM CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Apr 24, 2019 · Amount on Record
Deed Document Number	20244721
Prior Transfer Date	Feb 6, 2012
Prior Transfer Doc	1685/0388
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	1109 TULIP DR, STURGIS, MI 49091-1245
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008687
Date	Dec 15, 2020
Instrument	2020008687

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	STURGIS, MI 49091

Agreement

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

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Apr 24, 2019
Property Address	1109 TULIP DR, STURGIS, MI 49091-1245
Document Number	01956/0291
Book / Page	1956 / 0291
Map Reference	LB 3 PG 60
Instrument Date	Apr 8, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1109 TULIP DR, 1109, STURGIS, MI 49091-1245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69092 TEXAS AVE, STURGIS, MI 49091-2090

Mortgage

Document Number	0001956293
Date	Apr 24, 2019
Instrument	1956/293

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	11.1%

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
Municipality	Sturgis City
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,900 (+6.23%) Land $4,200 Building $77,700	$163,800 (+6.23%) Land $8,400 Building $155,400
2025	$3,441.00 Homeowner's exemption	$77,100 Land $3,800 Building $73,300	$154,200 Land $7,600 Building $146,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STURGIS serves 11,920 people · EPA ID MI0006440
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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