25778 M 86, Sturgis, MI 49091 Property Records

St. Joseph County property record for 25778 M 86, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,536 sqft
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Jul 2022)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-888-031-00`

Property Details

APN / Parcel Number

Primary APN	`012-888-031-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,536 sqft Building Perimeter
1st Floor Area	1,024 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft

Exterior

Lot Area	10,454 sqft (0.24 acres)
Garage Area	780 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	25778 M 86
City	STURGIS
State	MI
Zip	49091-9649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOTS 14-15-16 BLK 8. VIL OF NOTTAWA. ALSO S 1/2 VACATED ALLEY AS RECD IN L491-P554.
Legal Subdivision	VIL OF NOTTAWA
Legal Block	8
Legal Lot Number	14-16
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	3
Census Block	3020
Census Tract	41301

Owner

25778 M 86 is owned and occupied by an individual who acquired it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	25778 M 86, STURGIS, MI 49091-9649
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Quit Claim Deed, Transfer · Conventional Mortgage OMNI COMMUNITY CU
Jul 26, 2022	Warranty Deed, Transfer · Conventional Mortgage OMNI COMMUNITY CU
Jul 2, 2019	Warranty Deed, Transfer GREENSTONE FARM CREDIT SERVICES FLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2022 · Amount on File
Deed Sale	Jul 26, 2022 · Amount on File
Prior Sale	Jul 2, 2019 · Amount on File
Deed Document Number	20226675
Last Transfer Date	Sep 22, 2023
Transfer Doc	2023008186
Record Updated	Sep 20, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Nov 16, 2023
Property Address	25778 M 86, STURGIS, MI 49091-9649
Document Number	2023008186
Map Reference	LB 491 PG 554
Instrument Date	Sep 22, 2023
Instrument	2023008186
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	NOT AVAILABLE, CALHOUN T&E AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	740 S HOWARD ST #302302, 302302, AVOCA, MI 48006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25778 M 86, STURGIS, MI 49091-9649

Mortgage

Document Number	2023008187
Date	Nov 16, 2023
Instrument	2023008187

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 26, 2022
Property Address	25778 M 86, STURGIS, MI 49091-9649
Document Number	2022006675
Map Reference	LB 491 PG 554
Instrument Date	Jul 25, 2022
Instrument	2022006675
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64325 PRAIRIE RIVER RD, 64325, STURGIS, MI 49091-9434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61150 M 66, BURR OAK, MI 49030-9766

Mortgage

Date	Jul 26, 2022

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 2, 2019
Property Address	25778 M 86, STURGIS, MI 49091-9649
Document Number	01964/0853
Book / Page	1964 / 0853
Map Reference	LB 57 PG 228
Instrument Date	Jul 1, 2019
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25778 M 86, 25778, STURGIS, MI 49091-9649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64325 PRAIRIE RIVER RD, STURGIS, MI 49091-9434

Mortgage

Document Number	0001964849
Date	Jul 2, 2019
Instrument	1964/849

Lender

Name	GREENSTONE FARM CREDIT SERVICES FLC
Type	Subprime Lender

Agreement

Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 25778 M 86 was $1,066 with a homeowner's exemption.

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

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		$36,900 (-20.65%) Land $6,100 Building $30,800	$73,800 (-20.65%) Land $12,200 Building $61,600
2025	$1,066.00 Homeowner's exemption	$46,500 Building $46,500	$93,000 Building $93,000
2023		$37,600 Land $3,100 Building $34,500	$75,200 Land $6,200 Building $69,000

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

FEMA maps place 25778 M 86 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 25778 M 86 is low, with less than a 0.01% annual chance of 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	MICHIANA MOBILE HOME PARK private · serves 100 people · EPA ID MI0040472
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 118 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: Verizon.

Nearby Properties on M 86

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures