31291 E Lafayette Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 31291 E Lafayette Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 960 sqft · built 1979
Lot Size	12.4 acres (541,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Dec 2019)
Tax Bill	$1,153 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`005-003-002-50`

Property Details

APN / Parcel Number

Primary APN	`005-003-002-50`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	541,886 sqft (12.4 acres)
Lot Dimensions	250 ft deep x 250 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	31291 E LAFAYETTE RD
City	STURGIS
State	MI
Zip	49091-9552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COM N 1/4 COR SEC 3 T8S R9W TH N 89D 31M 29S W 1073 FT TO POB TH N 89D 31M 29S W 30 FT TH S 0D 53M 20S W 688.30 FT TH N 89D 3
Legal Range	09W
Legal Township	08S
Legal Section	03
Jurisdiction	ST JOSEPH MI
Township / Civil Division	FAWN RIVER
Census Block Group	3
Census Block	3011
Census Tract	41600

Owner

Source: St. Joseph County records, as of July 20, 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	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Jan 23, 2023	Deed of Trust, Mortgage · Unknown FARMERS STATE BANK
Jan 23, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Jan 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FARMERS STATE BANK
Dec 9, 2019	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Deed Book / Page	1987 / 670
Last Transfer Date	Jan 4, 2022
Transfer Doc	2022000287
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 6, 2026
Property Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552
Document Number	0000005426
Instrument Date	Jun 26, 2026
Instrument	20265426
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552

Mortgage

Document Number	0000005426,
Date	Jul 6, 2026
Instrument	20265426

Lender

Name	FARMERS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 26, 2036

Interest

Rate	7.25%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552

Mortgage

Document Number	2023000553
Date	Jan 23, 2023
Instrument	2023000553

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	LAGRANGE, IN 46761

Agreement

Type	Unknown
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2033

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01993/0758
Date	Jan 23, 2020
Book Page	1993/0758

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	LAGRANGE, IN 46761

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Dec 26, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 10, 2022
Property Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552
Document Number	2022000287
Instrument Date	Jan 4, 2022
Instrument	2022000287
Transaction Type	Transfer
Record Updated	Jan 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30158 MARSH ROAD, 30158, BEREA, KY 40404-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552

Mortgage

Date	Jan 10, 2022

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.59%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.59%
Index	1-Year CMT
Max Rate	9.59%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 9, 2019
Property Address	31291 E LAFAYETTE RD, STURGIS, MI 49091-9552
Document Number	01987/0670
Book / Page	1987 / 0670
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,495.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31291 E LAFAYETTE RD, 31291, STURGIS, MI 49091-9552

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	30158 MARSH RD, COLON, MI 49040-9712

Mortgage

Document Number	0001987674
Date	Dec 9, 2019
Instrument	1987/674

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	9.99%

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	Fawn River Township
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$139,700 (+4.41%)	$279,400 (+4.41%)
2025	$1,153.00 Homeowner's exemption	$133,800 Land $42,300 Building $91,500	$267,600 Land $84,600 Building $183,000

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

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 93% of the US · lower than 83% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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