28560 E Lafayette Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 28560 E Lafayette Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,490 sqft
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,553 (Mar 2022)
Tax Bill	$3,704 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-031-014-15`

Property Details

APN / Parcel Number

Primary APN	`001-031-014-15`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,490 sqft Building Perimeter
1st Floor Area	1,958 sqft
Basement Area	1,958 sqft
Unfinished Basement	1,958 sqft

Exterior

Lot Area	117,176 sqft (2.69 acres)
Lot Dimensions	526 ft deep x 223 ft wide
Garage Area	1,974 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	28560 E LAFAYETTE RD
City	STURGIS
State	MI
Zip	49091-8418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SE 1/4 SEC 31 T7S R9W TH S 89D 32M 36S E 40 FT TO POB TH N 00D 21M 08S E 540 FT TH S 89D 32M 36S E 223.69 FT TH S
Legal Range	09W
Legal Township	07S
Legal Section	31
Jurisdiction	ST JOSEPH MI
Township / Civil Division	BURR OAK
Census Block Group	1
Census Block	1000
Census Tract	40800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28560 E LAFAYETTE RD, STURGIS, MI 49091-8418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Feb 17, 2017	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Feb 17, 2017 · Amount on Record
Deed Document Number	20222751
Prior Transfer Date	Jan 28, 2022
Prior Transfer Doc	0000002751
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	28560 E LAFAYETTE RD, STURGIS, MI 49091-8418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020007965
Date	Dec 1, 2020
Instrument	2020007965

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 17, 2017
Property Address	28560 E LAFAYETTE RD, STURGIS, MI 49091-8418
Document Number	1858/0820
Book / Page	1858 / 0820
Instrument Date	Feb 9, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28560 E LAFAYETTE RD, 28560, STURGIS, MI 49091-8418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69683 ROSE RD, STURGIS, MI 49091-9717

Mortgage

Document Number	18580823
Date	Feb 17, 2017
Instrument	1858/0823

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

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	Burr Oak Township
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,900 (+5.46%) Land $18,700 Building $207,200	$451,800 (+5.46%) Land $37,400 Building $414,400
2025	$3,704.00 Homeowner's exemption	$214,200 Land $18,200 Building $196,000	$428,400 Land $36,400 Building $392,000

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
Lakeland Internet Fixed Wireless	100 / 20

May also be available: Spectrum.

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