405 E Chicago Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 405 E Chicago Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,796 sqft
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$123,500 (Aug 2017)
Tax Bill	$2,389 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052-040-511-00`

Property Details

APN / Parcel Number

Primary APN	`052-040-511-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,796 sqft Building Perimeter
1st Floor Area	1,496 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	484 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 E CHICAGO RD
City	STURGIS
State	MI
Zip	49091-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR LOT 2 BLK 43 TH E ON N LN 4 RDS TH AT R/A SLY 164.5 FT TH AT R/A WLY 4 RDS TO W LN TH NLY 164.5 FT TO BEG. ALSO
Legal Subdivision	ORIG PLAT CITY OF STURGIS
Legal Block	43
Legal Lot Number	2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1004
Census Tract	40500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	405 E CHICAGO RD, STURGIS, MI 49091-1802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2017 · Amount on Record
Deed Sale	Aug 30, 2017 · Amount on Record
Prior Sale	Dec 9, 2016 · Amount on Record
Deed Book / Page	1883 / 332
Prior Transfer Date	Feb 6, 2009
Prior Transfer Doc	1516/0172
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Aug 30, 2017
Property Address	405 E CHICAGO RD, STURGIS, MI 49091-1802
Document Number	1883/0332
Book / Page	1883 / 0332
Instrument Date	Aug 1, 2017
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7540 N 250 E, 7540, HOWE, IN 46746-9698

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 E CHICAGO RD, STURGIS, MI 49091-1922
Mail Care Of	JAY B FELT

Mortgage

Document Number	18830335
Date	Aug 30, 2017
Instrument	1883/0335

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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		$116,700 (+4.66%) Land $6,600 Building $110,100	$233,400 (+4.66%) Land $13,200 Building $220,200
2025	$2,389.00 Homeowner's exemption	$111,500 Land $6,000 Building $105,500	$223,000 Land $12,000 Building $211,000

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

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 97% of the US · lower than 93% 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.

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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