St. Joseph County property record for 31304 E Lafayette Rd, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,233 sqft · built 2022 |
| Lot Size | 3.84 acres (167,270 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,682 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-034-009-35 |
| Primary APN | 001-034-009-35 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,233 sqft Building Perimeter |
| 1st Floor Area | 2,233 sqft |
| Basement Area | 2,233 sqft |
| Unfinished Basement | 2,233 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 167,270 sqft (3.84 acres) |
| Lot Dimensions | 274 ft deep x 611 ft wide |
| Garage Area | 528 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 31304 E LAFAYETTE RD |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-9552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM S 1/4 COR SEC 34 T7S R9W TH N 89D 33M 26S W 711.41 FT TO POB TH N 89D 33M 26S W 611.12 FT TH N 00D 26M 22S E 274.29 FT TH |
| Legal Range | 09W |
| Legal Township | 07S |
| Legal Section | 34 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | BURR OAK |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 41600 |
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 | 31304 E LAFAYETTE RD, STURGIS, MI 49091-9552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 31304 E LAFAYETTE RD, STURGIS, MI 49091-9552 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 31304 E LAFAYETTE RD, STURGIS, MI 49091-9552 |
| Document Number | 2022007181 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022007181 |
| Name | CENTURY BANK AND TRUST |
|---|---|
| Address | COLDWATER, MI 49036 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Monthly |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 12-Month MTA |
| Max Rate | 6.5% |
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| County Subdivision | Burr Oak Township |
| Unified School District | Sturgis Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $237,200 Land $30,200 Building $207,000 | $474,400 Land $60,400 Building $414,000 | |
| 2025 | $4,682.00 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 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 17 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 · Fiber in parts of the area | 150 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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