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405 E Main St, Sturgis, MI 49091 Property Records

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

Property Summary

Property TypeSingle Family Home
Details1 ba · 880 sqft
Lot Size0.17 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$15,000 (Aug 2015)
Tax Bill$2,519 (2025)
Deeds & MortgagesMay 2026 Mortgage
Mar 2024 Transfer
Flood ZoneZone X (minimal risk)
APN052-250-030-00

Property Details

APN / Parcel Number

Primary APN052-250-030-00

Interior

Full Baths1 Bath
Building Area880 sqft Building Perimeter
1st Floor Area880 sqft
Basement Area880 sqft
Unfinished Basement880 sqft

Exterior

Architectural StyleRanch
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions154 ft deep x 50 ft wide
Garage Area240 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address405 E MAIN ST
CitySTURGIS
StateMI
Zip49091-1572
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 33 & VACATED ALLEY ADJ SD LOT ON THE S. GREEN LAWN ADD. CITY OF STURGIS.
Legal SubdivisionGREEN LAWN ADD
Legal Lot Number33
JurisdictionST JOSEPH MI
Township / Civil DivisionSTURGIS
Census Block Group2
Census Block2014
Census Tract40700

Owner

Source: St. Joseph County assessment roll, APN 052-250-030-00, as of July 24, 2026 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address70321 WHITE SCHOOL RD, STURGIS, MI 49091-9256
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 18, 2026Deed of Trust, Mortgage · Conventional Mortgage
OMNI COMMUNITY CREDIT UNION
Mar 08, 2024Quit Claim Deed, Transfer
PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 03, 2015 · Amount on Record
Deed SaleAug 03, 2015 · Amount on Record
Prior SaleSep 26, 2013 · Amount on Record
Deed Book / Page1792 / 401
Last Transfer DateMar 05, 2024
Transfer Doc2024001550
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOSEPH MI
Recording DateMay 18, 2026
Property Address405 E MAIN ST, STURGIS, MI 49091-1572
Document Number0000004215
Instrument DateMay 11, 2026
Instrument20264215
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyCALHOUN TITLE AND ESCROW AGENCY, CALHOUN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 E MAIN ST, STURGIS, MI 49091-1572

Mortgage

Document Number0000004215,
DateMay 18, 2026
Instrument20264215
Lender
NameOMNI COMMUNITY CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

March 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOSEPH MI
Recording DateMar 08, 2024
Property Address405 E MAIN ST, STURGIS, MI 49091-1572
Document Number2024001550
Map ReferenceLB 1 PG 53
Instrument DateMar 05, 2024
Instrument2024001550
Transaction TypeTransfer
Record UpdatedMar 22, 2024
Title CompanyPATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address109 N MAPLE ST, STURGIS, MI 49091-1422

Transferred To (Grantee/Buyer)

NameVerified Name
Address70321 WHITE SCHOOL RD, STURGIS, MI 49091-9256

Tax Assessment & Valuation

Source: St. Joseph County assessment roll as of July 24, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMichigan
CountySt. Joseph County
MunicipalitySturgis City
Unified School DistrictSturgis Public Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$42,600 (+5.19%) Land $5,300 Building $37,300$85,200 (+5.19%) Land $10,600 Building $74,600
2025$2,519.00$40,500 (+26.17%) Land $4,700 Building $35,800$81,000 (+26.17%) Land $9,400 Building $71,600
2023$32,100 Land $4,100 Building $28,000$64,200 Land $8,200 Building $56,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (26149C), as of June 4, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 526 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax 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 Broadband
Fixed Wireless		150 / 20
AT&T
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Lakeland Internet.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0006440, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSTURGIS
serves 11,920 people
Water SourceGroundwater
Last State InspectionDec 2025
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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