St. Joseph County property record for 404 Cottage, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,817 sqft |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $143,000 (Jan 2019) |
| Tax Bill | $4,276 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-380-005-00 |
| Primary APN | 052-380-005-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,817 sqft Building Perimeter |
| 1st Floor Area | 1,817 sqft |
| Basement Area | 1,793 sqft |
| Unfinished Basement | 1,793 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 14,810 sqft (0.34 acres) |
|---|---|
| Lot Dimensions | 128 ft deep x 116 ft wide |
| Garage Area | 702 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 404 COTTAGE |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-2261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 7 & 8 KENSINGTON HEIGHTS ADD. CITY OF STURGIS. |
| Legal Subdivision | KENSINGTON HEIGHTS |
| Legal Lot Number | 7-8 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | STURGIS |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 40500 |
404 Cottage is owned and occupied by two individuals who bought it in January 2019.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 COTTAGE, STURGIS, MI 49091-2261 |
| 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.
| Date | Document |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST |
| Jan 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2019 · Amount on File |
| Deed Sale | Jan 10, 2019 · Amount on File |
| Prior Sale | Apr 8, 2011 · Amount on File |
| Deed Book / Page | 1945 / 63 |
| Prior Transfer Date | Oct 6, 2009 |
| Prior Transfer Doc | 1550/0234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 404 COTTAGE, STURGIS, MI 49091-2261 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2020 |
| Name | Verified Name |
|---|
| Document Number | 2020007962 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 2020007962 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 10, 2019 |
| Property Address | 404 COTTAGE, STURGIS, MI 49091-2261 |
| Document Number | 1945/0063 |
| Book / Page | 1945 / 0063 |
| Map Reference | LB 1 PG 58 |
| Instrument Date | Jan 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,229.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 COTTAGE, 404, STURGIS, MI 49091-2261 |
| Name | Verified Name |
|---|---|
| Address | 1101 GREELNLAWN DR, STURGIS, MI 49091-2603 |
| Document Number | 01945/0065 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 1945/0065 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2025 property tax bill for 404 Cottage was $4,276 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of July 24, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Joseph County |
| Municipality | Sturgis City |
| Unified School District | Sturgis Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $157,600 (+5.84%) Land $7,300 Building $150,300 | $315,200 (+5.84%) Land $14,600 Building $300,600 | |
| 2025 | $4,276.00 Homeowner's exemption | $148,900 Land $6,200 Building $142,700 | $297,800 Land $12,400 Building $285,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Cottage 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 risk around 404 Cottage is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 374 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
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