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

St. Joseph County property record for 407 E Chicago Rd, White Pigeon, MI 49099

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,012 sqft · built 1800
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$165,900 (Dec 2025)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-120-003-00`

Property Details

APN / Parcel Number

Primary APN	`045-120-003-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	2,012 sqft Living Area
1st Floor Area	1,312 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	165 ft deep x 83 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 E CHICAGO RD
City	WHITE PIGEON
State	MI
Zip	49099-8794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 & S 1 RD OF LOT 6. BLK 1 LAIRDS ADD. VIL OF WHITE PIGEON.
Legal Subdivision	LAIRDS ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST JOSEPH MI
Township / Civil Division	WHITE PIGEON
Census Block Group	3
Census Block	3017
Census Tract	41400

Owner

407 E Chicago Rd is owned by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	66329 N LAKEVIEW RD, STURGIS, MI 49091-9121
Owner Type	Individual
Vesting	Single Woman

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2025 · Amount on File
Deed Sale	Dec 3, 2025 · Amount on File
Prior Sale	Aug 17, 1999
Deed Document Number	20259447
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Dec 3, 2025
Property Address	407 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Document Number	2025009447
Map Reference	LB 40 PG 320
Instrument Date	Dec 2, 2025
Instrument	2025009447
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11464 RIVERSIDE DR, WHITE PIGEON, MI 49099-8102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66329 N LAKEVIEW RD, STURGIS, MI 49091-9121

Mortgage

Document Number	2025009449
Date	Dec 3, 2025
Instrument	2025009449

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	2025009448
Date	Dec 3, 2025
Instrument	2025009448

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 407 E Chicago Rd was $1,779, up 26.9% from the year before.

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		$82,200 (+10.78%) Land $11,400 Building $70,800	$164,400 (+10.78%) Land $22,800 Building $141,600
2025	$1,779.00 (+26.89%) Homeowner's exemption	$74,200 Land $10,300 Building $63,900	$148,400 Land $20,600 Building $127,800
2024	$1,402.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 407 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 407 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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