400 E West St, Sturgis, MI 49091 Property Records

St. Joseph County property record for 400 E West St, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,734 sqft
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Aug 2017)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052-670-028-00`

Property Details

APN / Parcel Number

Primary APN	`052-670-028-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,734 sqft Building Perimeter
1st Floor Area	1,367 sqft
Basement Area	1,367 sqft
Unfinished Basement	1,367 sqft

Exterior

Architectural Style	Ranch
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	78 ft deep x 127 ft wide
Garage Area	616 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 E WEST ST
City	STURGIS
State	MI
Zip	49091-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 14-15 & S 15 FT OF LOT 13 BLK 52 EXC PAR 46 FT N & S ALG N 4TH ST & 127 FT E & W OUT OF NWLY PORTION OF ABOVE DESC LAND
Legal Subdivision	WATSONS ADDITION
Legal Block	52
Legal Lot Number	14-15
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	3
Census Block	3012
Census Tract	40800

Owner

400 E West St is owned and occupied by an individual who bought it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	400 E WEST ST, STURGIS, MI 49091-1594
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
Aug 3, 2017	Deed of Trust, Mortgage · USDA Mortgage USDA
Aug 3, 2017	Deed of Trust, Mortgage MICHIGAN STATE HOUSING DEVELOPMENT AUTHO
Aug 4, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2017 · Amount on File
Deed Sale	Aug 4, 2017 · Amount on File
Prior Sale	Nov 26, 2014 · Amount on File
Deed Book / Page	1880 / 74
Prior Transfer Date	Nov 14, 2014
Prior Transfer Doc	01766/0605
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	400 E WEST ST, STURGIS, MI 49091-1594
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01880/0013
Date	Aug 3, 2017
Book Page	1880/0013

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	395 Months
Due	Jul 27, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	400 E WEST ST, STURGIS, MI 49091-1594
Transaction Type	Mortgage
Record Updated	Jun 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01880/0020
Date	Aug 3, 2017
Book Page	1880/0020

Lender

Name	MICHIGAN STATE HOUSING DEVELOPMENT AUTHO
Type	Government Agency

Agreement

Amount	Amount on Record

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 4, 2017
Property Address	400 E WEST ST, STURGIS, MI 49091-1594
Document Number	01880/0074
Book / Page	1880 / 0074
Map Reference	LB45 PG197
Instrument Date	Jul 27, 2017
Transaction Type	Transfer
Record Updated	Jun 28, 2022

Transaction

Amount	Amount on Record
Tax	$851.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 W WEST ST # ST203, 107, STURGIS, MI 49091-1447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E WEST ST, STURGIS, MI 49091-1594

Tax Assessment & Valuation

The 2025 property tax bill for 400 E West St was $2,859 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
Municipality	Sturgis City
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,800 (+6.6%) Land $7,800 Building $157,000	$329,600 (+6.6%) Land $15,600 Building $314,000
2025	$2,859.00 Homeowner's exemption	$154,600 Land $6,900 Building $147,700	$309,200 Land $13,800 Building $295,400

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

Flood

FEMA maps place 400 E West St 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

The area around 400 E West St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 625 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	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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