St. Joseph County property record for 405 E West St, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,124 sqft |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,055 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-670-010-01 |
| Primary APN | 052-670-010-01 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,124 sqft Building Perimeter |
| 1st Floor Area | 1,124 sqft |
| Basement Area | 914 sqft |
| Unfinished Basement | 914 sqft |
| Lot Area | 11,326 sqft (0.26 acres) |
|---|---|
| Lot Dimensions | 171 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 405 E WEST ST |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-1559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 BLK 21 WATSONS ADD. CITY OF STURGIS ALSO N 1/2 VACATED ALLEY LYING S SD LOT 15. |
| Legal Subdivision | WATSONS ADD |
| Legal Block | 21 |
| Legal Lot Number | 15 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | STURGIS |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 40800 |
405 E West St is owned and occupied by two individuals who acquired it in January 2005.
Source: St. Joseph County records, as of July 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 E WEST ST, STURGIS, MI 49091-1559 |
| 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 |
|---|---|
| Sep 11, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jul 9, 2018 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Book / Page | 715 / 936 |
| Last Transfer Date | Jan 12, 2005 |
| Transfer Doc | 01282/0227 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 405 E WEST ST, STURGIS, MI 49091-1559 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01884/0733 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 1884/0733 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 7, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 405 E WEST ST, STURGIS, MI 49091-1559 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01922/0520 |
|---|---|
| Date | Jul 9, 2018 |
| Book Page | 1922/0520 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 405 E West St was $1,055 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 | $52,500 (+7.14%) Land $6,200 Building $46,300 | $105,000 (+7.14%) Land $12,400 Building $92,600 | |
| 2025 | $1,055.00 Homeowner's exemption | $49,000 Land $6,000 Building $43,000 | $98,000 Land $12,000 Building $86,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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.
The area around 405 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures