25996 Cross, Sturgis, MI 49091 Property Records

St. Joseph County property record for 25996 Cross, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,376 sqft
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Tax Bill	$589 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jul 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-888-011-00`

Property Details

APN / Parcel Number

Primary APN	`012-888-011-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,376 sqft Building Perimeter
1st Floor Area	1,064 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Lot Area	17,424 sqft (0.4 acres)
Garage Area	900 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	25996 CROSS
City	STURGIS
State	MI
Zip	49091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOTS 15 & 18 BLK 5 VIL OF NOTTAWA.
Legal Subdivision	VIL OF NOTTAWA
Legal Block	5
Legal Lot Number	15,18
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 September 4, 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	25996 CROSS, STURGIS, MI 49091
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 28, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Jul 20, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 25, 2026
Transfer Doc	0000006891
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 25, 2026
Property Address	25996 CROSS, STURGIS, MI 49091
Document Number	0000006891
Instrument Date	Aug 25, 2026
Instrument	20266891
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25996 CROSS, STURGIS, MI 49091

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 28, 2026
Property Address	25996 CROSS, STURGIS, MI 49091
Document Number	0000006126
Instrument Date	Jul 27, 2026
Instrument	20266126
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25996 CROSS, STURGIS, MI 49091

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	25996 CROSS, STURGIS, MI 49091
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25996 CROSS, STURGIS, MI 49091

Mortgage

Document Number	2024001712
Date	Mar 18, 2024
Instrument	2024001712

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 20, 2020
Property Address	25996 CROSS, STURGIS, MI 49091
Document Number	2020003473
Instrument Date	Jul 16, 2020
Instrument	2020003473
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 45, NOTTAWA, MI 49075-0045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25996 CROSS, STURGIS, MI 49091

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		$29,300 (-22.49%) Land $7,900 Building $21,400	$58,600 (-22.49%) Land $15,800 Building $42,800
2025	$589.00 Homeowner's exemption	$37,800 Building $37,800	$75,600 Building $75,600

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	Not rated no burnable land within 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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