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

St. Joseph County property record for 406 E Chicago Rd, White Pigeon, MI 49099

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,619 sqft · built 1960
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$99,000 (Jun 2007)
Tax Bill	$4,876 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-777-088-00`

Property Details

APN / Parcel Number

Primary APN	`045-777-088-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,619 sqft Living Area
1st Floor Area	1,094 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 E CHICAGO RD
City	WHITE PIGEON
State	MI
Zip	49099-8794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR LOT 82 ASSESSORS PLAT #1 (FKA SAVERY'S EXT) TH N 85.75D E ALG S LN OF CHICAGO RD 108.84 FT TO POB TH N 85.75D E 10
Legal Subdivision	ASSRS 1 VILLAGE OF WHITE PIGEO
Legal Lot Number	82
Jurisdiction	ST JOSEPH MI
Township / Civil Division	WHITE PIGEON
Census Block Group	3
Census Block	3025
Census Tract	41400

Owner

406 E Chicago Rd is owned and occupied by two individuals who bought it in June 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

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
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage OMNI COMMUNITY CU
Apr 4, 2017	Deed of Trust, Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2007 · Amount on File
Deed Sale	Jun 1, 2007 · Amount on File
Prior Sale	Nov 10, 1989 · Amount on File
Deed Book / Page	1438 / 843
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	406 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	CALHOUN TITLE AND ESCROW AGENCY, CALHOUN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E CHICAGO RD, WHITE PIGEON, MI 49099-8794

Mortgage

Document Number	2021011510
Date	Nov 15, 2021
Instrument	2021011510

Lender

Name	OMNI COMMUNITY CU
Type	Credit Union
Address	BATTLE CREEK, MI 49015

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	406 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1864/0485
Date	Apr 4, 2017
Book Page	1864/0485

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 406 E Chicago Rd was $4,876 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		$96,900 Land $18,100 Building $78,800	$193,800 Land $36,200 Building $157,600
2025	$4,876.00 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 406 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 406 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

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