23753 Hidden River Dr, Sturgis, MI 49091 Property Records

St. Joseph County property record for 23753 Hidden River Dr, Sturgis, MI 49091

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,744 sqft · built 2003
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Sep 2018)
Tax Bill	$1,783 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-260-078-00`

Property Details

APN / Parcel Number

Primary APN	`012-260-078-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,744 sqft Building Perimeter
1st Floor Area	1,737 sqft
Basement Area	1,737 sqft
Unfinished Basement	1,737 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Lot Area	32,670 sqft (0.75 acres)
Garage Area	550 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	23753 HIDDEN RIVER DR
City	STURGIS
State	MI
Zip	49091-8309
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNITS 78 & 79 ISLAND HILLS PHASE 2 CONDO SUB #27 NE 1/4 SEC 32 T6S R10W. (COMB W/ 012-260-079-00 FOR 2025)
Legal Range	10W
Legal Township	06S
Legal Section	32
Legal Subdivision	CONDO ISLAND
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	3
Census Block	3060
Census Tract	41301

Owner

Source: St. Joseph County records, as of July 20, 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	23753 HIDDEN RIVER DR, STURGIS, MI 49091-8309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 21, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Jun 13, 2006 · Amount on Record
Deed Book / Page	1931 / 947
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	23753 HIDDEN RIVER DR, STURGIS, MI 49091-8309
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020004788
Date	Aug 21, 2020
Instrument	2020004788

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 21, 2018
Property Address	23753 HIDDEN RIVER DR, STURGIS, MI 49091-8309
Document Number	01931/0947
Book / Page	1931 / 0947
Instrument Date	Sep 19, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,580.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23753 HIDDEN RIVER DR, 23753, STURGIS, MI 49091-8309

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23753 HIDDEN RIVER DR, STURGIS, MI 49091-8309
Investor	Possibly a Property Investor

Mortgage

Document Number	0001931950
Date	Sep 21, 2018
Instrument	1931/950

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
County Subdivision	Nottawa Township
Elementary School District	Nottawa Community School (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,900	$409,800
2025	$1,783.00 Homeowner's exemption

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	3 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 96% of the US · lower than 91% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mercury Fiber Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

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