20950 Watson Rd, White Pigeon, MI 49099 Property Records

St. Joseph County property record for 20950 Watson Rd, White Pigeon, MI 49099

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,576 sqft · built 1930
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Last Sale	$437,000 (Mar 2019)
Tax Bill	$5,493 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-302-039-00`

Property Details

APN / Parcel Number

Primary APN	`016-302-039-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	5 Stories
Building Area	1,576 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	95 ft deep x 44 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20950 WATSON RD
City	WHITE PIGEON
State	MI
Zip	49099-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 ASSESSOR'S PLAT OF OAKWOOD. SECS 2 & 11 T8S R11W.
Legal Range	11W
Legal Township	08S
Legal Section	02
Legal Subdivision	ASSESSOR'S PLAT OF OAKWOOD
Legal Lot Number	42
Jurisdiction	ST JOSEPH MI
Township / Civil Division	WHITE PIGEON
Census Block Group	4
Census Block	4010
Census Tract	41400

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	Company Name on Record
Mailing Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Oct 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UBS BANK USA
Sep 2, 2021	Warranty Deed, Transfer OAK TITLE SERVICES LLC, OAK TITLE SVCS LLC
Mar 14, 2019	Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2019 · Amount on Record
Deed Sale	Mar 14, 2019 · Amount on Record
Prior Sale	Apr 8, 2011 · Amount on Record
Deed Book / Page	1950 / 733
Last Transfer Date	Sep 24, 2021
Transfer Doc	2021010073
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008470
Date	Dec 9, 2020
Instrument	2020008470

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 6, 2021
Property Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754
Document Number	2021010073
Map Reference	LB 5 PG 28-28C
Instrument Date	Sep 24, 2021
Instrument	2021010073
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	OAK TITLE SERVICES LLC, OAK TITLE SERVICS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754

Mortgage

Date	Oct 6, 2021

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 2, 2021
Property Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754
Document Number	2021008886
Map Reference	LB 5 PG 28-28C
Instrument Date	Aug 26, 2021
Instrument	2021008886
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	OAK TITLE SERVICES LLC, OAK TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3510 BRONSON BLVD, KALAMAZOO, MI 49008-2928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 N MCCLURG CT APT 2206, 2206, CHICAGO, IL 60611-5388

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Mar 14, 2019
Property Address	20950 WATSON RD, WHITE PIGEON, MI 49099-9754
Document Number	01950/0733
Book / Page	1950 / 0733
Map Reference	LB 5 PG 28-28C
Instrument Date	Mar 8, 2019
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,758.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28901 SOMERS DR, NAPLES, FL 34119-0915

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3510 BRONSON BLVD, KALAMAZOO, MI 49008-2928

Mortgage

Document Number	0001950738
Date	Mar 14, 2019
Instrument	1950/738

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	White Pigeon Township
Unified School District	White Pigeon Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$329,300 (+4.34%) Land $116,400 Building $212,900	$658,600 (+4.34%) Land $232,800 Building $425,800
2025	$5,493.00 Homeowner's exemption	$315,600 Land $106,500 Building $209,100	$631,200 Land $213,000 Building $418,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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