25798 M 86, Sturgis, MI 49091 Property Records

St. Joseph County property record for 25798 M 86, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,010 sqft
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jan 2018)
Tax Bill	$1,246 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-888-028-01`

Property Details

APN / Parcel Number

Primary APN	`012-888-028-01`

Interior

Full Baths	2 Baths
Building Area	2,010 sqft Building Perimeter
1st Floor Area	1,344 sqft
Basement Area	1,278 sqft
Unfinished Basement	1,278 sqft

Exterior

Lot Area	20,038 sqft (0.46 acres)
Garage Area	803 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	25798 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	W 1/2 OF LOTS 5 & 8 & ALL OF LOTS 11, 12 & 13 BLK 8 VIL OF NOTTAWA. ALSO VACATED ALLEY RECD IN L491-P554
Legal Subdivision	VIL OF NOTTAWA
Legal Block	8
Legal Lot Number	5,8,11
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	3
Census Block	3020
Census Tract	41301

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	2 Individual Names on Record
Mailing Address	25798 M 86, STURGIS, MI 49091-9649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2019	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO
Jan 16, 2018	Warranty Deed, Transfer · ARM OAK MORTGAGE LLC
May 4, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2018 · Amount on Record
Deed Sale	Jan 16, 2018 · Amount on Record
Prior Sale	May 4, 2017 · Amount on Record
Deed Document Number	20181900-0305
Deed Book / Page	1900 / 305
Last Transfer Date	Jun 7, 2023
Transfer Doc	2023004485
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	25798 M 86, STURGIS, MI 49091-9649
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1947/0828
Date	Feb 7, 2019
Book Page	1947/0828

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 16, 2018
Property Address	25798 M 86, STURGIS, MI 49091-9649
Document Number	1900/0305
Book / Page	1900 / 0305
Map Reference	LB57 PG222
Instrument Date	Jan 12, 2018
Instrument	1900-0305
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26991 MARVIN RD, 26991, STURGIS, MI 49091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25798 M 86, STURGIS, MI 49091-9649

Mortgage

Document Number	19000307
Date	Jan 16, 2018
Instrument	1900-0307

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2021
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	May 4, 2017
Property Address	25798 M 86, STURGIS, MI 49091-9649
Document Number	1868/0636
Book / Page	1868 / 0636
Map Reference	LB57 PG228
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	950 TRADE CENTRE WAY # WAY400, 950, PORTAGE, MI 49002-0487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26991 MARVIN RD, COLDWATER, MI 49036

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	Nottawa Township
Elementary School District	Nottawa Community School (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,300 (-26.54%) Land $8,500 Building $43,800	$104,600 (-26.54%) Land $17,000 Building $87,600
2025	$1,246.00 Homeowner's exemption	$71,200 Building $71,200	$142,400 Building $142,400

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 · 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 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.

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