St. Joseph County property record for 1423 W Rishel Rd, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,947 sqft · built 1980 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $107,000 (Nov 2009) |
| Tax Bill | $4,032 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2021 Mortgage + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-660-040-00 |
| Primary APN | 052-660-040-00 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,947 sqft Building Perimeter |
| 1st Floor Area | 1,947 sqft |
| Basement Area | 1,947 sqft |
| Unfinished Basement | 1,947 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Lot Area | 47,480 sqft (1.09 acres) |
| Lot Dimensions | 300 ft deep x 174 ft wide |
| Garage Area | 1,260 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1423 W RISHEL RD |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-9728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 40 & 41 EXC N 25 FT LOT 40 WASHINGTON SQUARE ESTATES. CITY OF STURGIS. |
| Legal Subdivision | WASHINGTON SQUARE ESTATES |
| Legal Lot Number | 40-41 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | STURGIS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 40500 |
Source: St. Joseph County records, as of August 17, 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 Record |
|---|---|
| Mailing Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST COMPANY |
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 3, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage KEY BANK NA |
| Jun 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Jul 20, 2011 | Deed of Trust, Mortgage KEY BANK NA |
| May 1, 2014 | Deed of Trust, Mortgage · Closed-End Mortgage KEY BANK NA |
| May 1, 2014 | Deed of Trust, Mortgage · Closed-End Mortgage KEY BANK NA |
| Jul 20, 2011 | Deed of Trust, Mortgage KEY BANK NA |
| Jun 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Dec 20, 2006 | Warranty Deed, Transfer · ARM DECISION ONE MORTGAGE COMPANY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2009 · Amount on Record |
| Deed Sale | Nov 4, 2009 · Amount on Record |
| Prior Sale | Nov 24, 2008 · Amount on Record |
| Deed Book / Page | 1553 / 202 |
| Prior Transfer Date | Nov 7, 2008 |
| Prior Transfer Doc | 1509/0939 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Aug 6, 2026 |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Document Number | 0000006355 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 20266355 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Document Number | 0000006355, |
|---|---|
| Date | Aug 6, 2026 |
| Instrument | 20266355 |
| Name | TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 2, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2021005355 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021005355 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 48431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Document Number | 2020000060 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 2020000060 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | BOSTON NATIONAL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 01874/0661 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 1874/0661 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01620/0594 |
|---|---|
| Date | Jul 20, 2011 |
| Book Page | 1620/0594 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | Jul 15, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 01743/0075 |
|---|---|
| Date | May 1, 2014 |
| Book Page | 1743/0075 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 15, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 01743/0066 |
|---|---|
| Date | May 1, 2014 |
| Book Page | 1743/0066 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01620/0585 |
|---|---|
| Date | Jul 20, 2011 |
| Book Page | 1620/0585 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Aug 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BOSTON NATIONAL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 1874/0661 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 1874/0661 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Dec 20, 2006 |
| Property Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Document Number | 01413/0305 |
| Book / Page | 1413 / 0305 |
| Map Reference | LB3 PG78 |
| Instrument Date | Nov 27, 2006 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | CHICAGO TITLE STURGIS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,462.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Name | Verified Name |
|---|---|
| Address | 1423 W RISHEL RD, STURGIS, MI 49091-9728 |
| Investor | Possibly a Property Investor |
| Document Number | 0014130308 |
|---|---|
| Date | Dec 20, 2006 |
| Instrument | 1413/0308 |
| Name | DECISION ONE MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 8, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.39% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Min Rate At Change | 8.39% |
| Max Rate At Change | 11.3% |
| Index | 6-Month LIBOR |
| Max Rate | 14.3% |
| Document Number | 01413/0325 |
|---|---|
| Date | Dec 20, 2006 |
| Book Page | 1413/0325 |
| Name | DECISION ONE MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIVONIA, MI 48152 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2021 |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Sturgis City |
| Unified School District | Sturgis Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $190,100 Land $13,100 Building $177,000 | $380,200 Land $26,200 Building $354,000 | |
| 2025 | $4,032.00 Homeowner's exemption |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 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 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures