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

St. Joseph County property record for 409 E Chicago Rd, White Pigeon, MI 49099

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,688 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$57,500 (Jan 2014)
Tax Bill	$1,200 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-120-004-00`

Property Details

APN / Parcel Number

Primary APN	`045-120-004-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,688 sqft Living Area
1st Floor Area	1,464 sqft
Basement Area	448 sqft
Unfinished Basement	448 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	149 ft deep x 83 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E CHICAGO RD
City	WHITE PIGEON
State	MI
Zip	49099-8794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 1 LAIRDS ADDITION. VIL OF WHITE PIGEON.
Legal Subdivision	LAIRDS ADDITION. VIL OF WHITE PIGEON
Legal Block	1
Legal Lot Number	4
Jurisdiction	ST JOSEPH MI
Township / Civil Division	WHITE PIGEON
Census Block Group	3
Census Block	3017
Census Tract	41400

Owner

409 E Chicago Rd is owned and occupied by an individual who bought it in January 2014.

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

Owner of Record	Individual Name on File
Mailing Address	409 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
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage STURGIS BANK & TRUST CO
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Dec 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2014 · Amount on File
Deed Sale	Jan 21, 2014 · Amount on File
Prior Sale	Apr 30, 2002
Deed Book / Page	1732 / 805
Prior Transfer Date	Dec 25, 2013
Prior Transfer Doc	1732000797
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	409 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	UNKNOWN, OT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E CHICAGO RD, WHITE PIGEON, MI 49099-8794

Mortgage

Document Number	2025009524
Date	Dec 5, 2025
Instrument	2025009524

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	409 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E CHICAGO RD, WHITE PIGEON, MI 49099-8794

Mortgage

Document Number	2020002654
Date	Jun 25, 2020
Instrument	2020002654

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	409 E CHICAGO RD, WHITE PIGEON, MI 49099-8794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008443
Date	Dec 9, 2020
Instrument	2020008443

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Chicago Rd was $1,200 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		$73,200 Land $11,400 Building $61,800	$146,400 Land $22,800 Building $123,600
2025	$1,200.00 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 409 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 409 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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