25814 Cross St, Sturgis, MI 49091 Property Records

St. Joseph County property record for 25814 Cross St, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft · built 2013
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$109,000 (Aug 2017)
Tax Bill	$520 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-888-024-00`

Property Details

APN / Parcel Number

Primary APN	`012-888-024-00`

Interior

Full Baths	2 Baths
Building Area	1,404 sqft Building Perimeter
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	25814 CROSS ST
City	STURGIS
State	MI
Zip	49091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 BLK 7. VIL OF NOTTAWA.
Legal Subdivision	VIL OF NOTTAWA
Legal Block	7
Legal Lot Number	18
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	3
Census Block	3001
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	Individual Name on Record
Mailing Address	PO BOX 58, NOTTAWA, MI 49075-0058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Prior Sale	Jul 17, 2013 · Amount on Record
Deed Book / Page	1879 / 548
Prior Transfer Date	Nov 30, 2012
Prior Transfer Doc	01680/0267
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	25814 CROSS ST, STURGIS, MI 49091
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008992
Date	Dec 28, 2020
Instrument	2020008992

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	25814 CROSS ST, STURGIS, MI 49091
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008938
Date	Dec 23, 2020
Instrument	2020008938

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	25814 CROSS ST, STURGIS, MI 49091
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021001533
Date	Feb 16, 2021
Instrument	2021001533

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	THREE RIVERS, MI 49093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 1, 2017
Property Address	25814 CROSS ST, STURGIS, MI 49091
Document Number	01879/0548
Book / Page	1879 / 0548
Map Reference	LB57 PG228
Instrument Date	Jul 31, 2017
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$937.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60235 WEST ST, 60235, STURGIS, MI 49091-9683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 186, STURGIS, MI 49091-0186
Mail Care Of	JAY B FELT

Mortgage

Document Number	0018790550
Date	Aug 1, 2017
Instrument	1879/0550

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

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		$48,500 (-28.15%)	$97,000 (-28.15%)
2025	$520.00 Homeowner's exemption	$67,500 Building $67,500	$135,000 Building $135,000

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

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.

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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