413 Walker St, Sturgis, MI 49091 Property Records

St. Joseph County property record for 413 Walker St, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,326 sqft
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (May 2008)
Tax Bill	$1,712 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052-210-109-00`

Property Details

APN / Parcel Number

Primary APN	`052-210-109-00`

Interior

Full Baths	1 Bath
Building Area	1,326 sqft Building Perimeter
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	107 ft deep x 49.8 ft wide
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 WALKER ST
City	STURGIS
State	MI
Zip	49091-1843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 109. EAST LAWN ADD. CITY OF STURGIS.
Legal Subdivision	EAST LAWN ADD
Legal Lot Number	109
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1021
Census Tract	40500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	413 WALKER ST, STURGIS, MI 49091-1843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2008 · Amount on Record
Deed Sale	May 29, 2008 · Amount on Record
Prior Sale	Feb 9, 2007 · Amount on Record
Deed Book / Page	1487 / 731
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	413 WALKER ST, STURGIS, MI 49091-1843
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WALKER ST, STURGIS, MI 49091-1843

Mortgage

Document Number	2022009666
Date	Nov 14, 2022
Instrument	2022009666

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	413 WALKER ST, STURGIS, MI 49091-1843
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WALKER ST, STURGIS, MI 49091-1843

Mortgage

Document Number	2021009007
Date	Sep 7, 2021
Instrument	2021009007

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	St. Joseph County
Municipality	Sturgis City
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,800 Land $4,700 Building $78,100	$165,600 Land $9,400 Building $156,200
2025	$1,712.00 Homeowner's exemption

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

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

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