31481 E Lafayette Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 31481 E Lafayette Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 1995
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jun 2022)
Tax Bill	$3,291 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-003-002-45`

Property Details

APN / Parcel Number

Primary APN	`005-003-002-45`

Interior

Full Baths	2 Baths
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	265 ft deep x 163 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	31481 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	W 163.71 FT OF N 265.94 FT NE 1/4 NE 1/4 NW 1/4 SEC 3 T8S R9W. 1 A
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 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	31481 E LAFAYETTE RD, STURGIS, MI 49091-9552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Deed Document Number	20225933
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	31481 E LAFAYETTE RD, STURGIS, MI 49091-9552
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31481 E LAFAYETTE RD, STURGIS, MI 49091-9552

Mortgage

Document Number	2024001914
Date	Mar 27, 2024
Instrument	2024001914

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jun 29, 2022
Property Address	31481 E LAFAYETTE RD, STURGIS, MI 49091-9552
Document Number	2022005933
Instrument Date	Jun 28, 2022
Instrument	2022005933
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,837.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31481 E LAFAYETTE RD, 31481, STURGIS, MI 49091-9552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 HARDING ST, KENDALLVILLE, IN 46755-1410

Mortgage

Date	Jun 29, 2022

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$113,100 Land $10,000 Building $103,100	$226,200 Land $20,000 Building $206,200
2025	$3,291.00 Homeowner's exemption

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 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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