28196 E Lafayette Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 28196 E Lafayette Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,632 sqft
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,559 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-031-013-00`

Property Details

APN / Parcel Number

Primary APN	`001-031-013-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft
Basement Area	1,632 sqft
Unfinished Basement	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	190 ft deep x 150 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	28196 E LAFAYETTE RD
City	STURGIS
State	MI
Zip	49091-9546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM 929.8 FT E OF SW COR SEC 31 T7S R9W TH N 203 FT TH E 167 FT TH S 203 FT TH W 167 FT TO POB. 0.778 A
Legal Range	09W
Legal Township	07S
Legal Section	31
Jurisdiction	ST JOSEPH MI
Township / Civil Division	BURR OAK
Census Block Group	1
Census Block	1016
Census Tract	40800

Owner

28196 E Lafayette Rd is owned and occupied by two individuals who acquired it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	28196 E LAFAYETTE RD, STURGIS, MI 49091-9546
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 13, 2023	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO
Jul 25, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage OAK MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2000
Deed Sale	Aug 4, 2000
Deed Book / Page	991 / 452
Last Transfer Date	Jul 20, 2023
Transfer Doc	2023005325
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	28196 E LAFAYETTE RD, STURGIS, MI 49091-9546
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28196 E LAFAYETTE RD, STURGIS, MI 49091-9546

Mortgage

Document Number	2023008063
Date	Nov 13, 2023
Instrument	2023008063

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 25, 2023
Property Address	28196 E LAFAYETTE RD, STURGIS, MI 49091-9546
Document Number	2023005325
Instrument Date	Jul 20, 2023
Instrument	2023005325
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	OAK TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28196 E LAFAYETTE RD, STURGIS, MI 49091-9546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28196 E LAFAYETTE RD, STURGIS, MI 49091-9546

Mortgage

Document Number	2023005326
Date	Jul 25, 2023
Instrument	2023005326

Lender

Name	OAK MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 28196 E Lafayette Rd was $1,559 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	Burr Oak Township
Municipality	Sturgis City
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,000 (+7.07%) Land $8,200 Building $91,800	$200,000 (+7.07%) Land $16,400 Building $183,600
2025	$1,559.00 Homeowner's exemption	$93,400 Land $8,000 Building $85,400	$186,800 Land $16,000 Building $170,800
2023		$74,200 Land $5,400 Building $68,800	$148,400 Land $10,800 Building $137,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28196 E Lafayette Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 28196 E Lafayette Rd 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 99.1% of the US · lower than 98.4% 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	STURGIS serves 11,920 people · EPA ID MI0006440
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 281 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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