405 E Chicago Rd, White Pigeon, MI 49099 Property Records

St. Joseph County property record for 405 E Chicago Rd, White Pigeon, MI 49099

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,340 sqft · built 1950
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (Aug 2024)
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-120-002-00`

Property Details

APN / Parcel Number

Primary APN	`045-120-002-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	149 ft deep x 56 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 E CHICAGO RD
City	WHITE PIGEON
State	MI
Zip	49099-8794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 56 FT OF LOT 2 BLK 1. LAIRDS ADD. VIL OF WHITE PIGEON.
Legal Subdivision	LAIRDS ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	ST JOSEPH MI
Township / Civil Division	WHITE PIGEON
Census Block Group	3
Census Block	3017
Census Tract	41400

Owner

405 E Chicago Rd is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	405 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
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
Feb 23, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2024 · Amount on File
Deed Sale	Aug 2, 2024 · Amount on File
Prior Sale	Dec 17, 2018 · Amount on File
Deed Document Number	20245558
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	405 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E CHICAGO RD, WHITE PIGEON, MI 49099-8794

Mortgage

Document Number	2023001200
Date	Feb 23, 2023
Instrument	2023001200

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 17, 2018
Property Address	405 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Document Number	01942/0950
Book / Page	1942 / 0950
Map Reference	LB 40 PG 320
Instrument Date	Dec 6, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 E CHICAGO RD, 405, WHITE PIGEON, MI 49099-8794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67307 BLUE SCHOOL RD, CONSTANTINE, MI 49042-9713

Mortgage

Document Number	0001942952
Date	Dec 17, 2018
Instrument	1942/952

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Chicago Rd was $2,090 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
County Subdivision	White Pigeon Township
Municipality	White Pigeon Village
Unified School District	White Pigeon Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,200 Land $11,400 Building $51,800	$126,400 Land $22,800 Building $103,600
2025	$2,090.00 Homeowner's exemption

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

Flood

FEMA maps place 405 E Chicago Rd 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

Wildfire risk around 405 E Chicago Rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITE PIGEON serves 1,640 people · EPA ID MI0007070
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet, Midwest Energy & Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Chicago Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures