St. Joseph County property record for 27296 Wait Rd, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,028 sqft · built 1955 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Oct 2019) |
| Tax Bill | $1,003 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-300-007-00 |
| Primary APN | 014-300-007-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 2,028 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 250 ft deep x 100 ft wide |
| Garage Area | 1,520 sqft |
| Parking Spaces | 6 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 27296 WAIT RD |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-9154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR MED DE |
| Legal Description | LOT 7 WILESWOOD. SEC. 25 T7S R10W. |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 25 |
| Legal Subdivision | WILESWOOD |
| Legal Lot Number | 7 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | SHERMAN |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 41500 |
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 | 27296 WAIT RD, STURGIS, MI 49091-9154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 6, 2026 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2019 · Amount on Record |
| Deed Sale | Oct 18, 2019 · Amount on Record |
| Prior Sale | Oct 31, 1997 |
| Deed Book / Page | 1979 / 587 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 27296 WAIT RD, STURGIS, MI 49091-9154 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 27296 WAIT RD, STURGIS, MI 49091-9154 |
| Document Number | 2026001645 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 2026001645 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 2, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 27296 WAIT RD, STURGIS, MI 49091-9154 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020006946 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 2020006946 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 27296 WAIT RD, STURGIS, MI 49091-9154 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020007789 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 2020007789 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | SURRY, ME 4684 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 18, 2019 |
| Property Address | 27296 WAIT RD, STURGIS, MI 49091-9154 |
| Document Number | 01979/0587 |
| Book / Page | 1979 / 0587 |
| Map Reference | LB 3 PG 79 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | OAK TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,763.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1405 AVALON CT, 1405, WINONA LAKE, IN 46590-5601 |
| Name | Verified Name |
|---|---|
| Address | 611 MICHIGAN AVE, STURGIS, MI 49091-2234 |
| Document Number | 0001979590 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 1979/590 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.87% |
| Index | Other |
| Max Rate | 10.8% |
Source: St. Joseph County assessment roll, as of August 11, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Sherman Township |
| Unified School District | Sturgis Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,600 | $283,200 | |
| 2025 | $1,003.00 Homeowner's exemption |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 4, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures