St. Joseph County property record for 414 Cherry St, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,756 sqft |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,900 (Nov 2017) |
| Tax Bill | $3,052 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Nov 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-130-037-00 |
| Primary APN | 052-130-037-00 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 1,756 sqft Building Perimeter |
| 1st Floor Area | 1,756 sqft |
| Basement Area | 1,756 sqft |
| Unfinished Basement | 1,756 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 107 ft deep x 90 ft wide |
| Garage Area | 400 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 414 CHERRY ST |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-2265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 46 & W 40 FT OF LOT 43 CLIFF HEIGHTS ADD. CITY OF STURGIS. |
| Legal Subdivision | CLIFF HEIGHTS |
| Legal Lot Number | 43,46 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | STURGIS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 40500 |
414 Cherry St is owned and occupied by an individual who acquired it in November 2018.
Source: St. Joseph County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| 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 |
|---|---|
| Dec 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO |
| Nov 3, 2017 | Deed of Trust, Mortgage · ARM OAK MORTGAGE LLC |
| Dec 5, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 2, 2017 | Warranty Deed, Transfer TITLE RESOURCE AGENCY |
| Jan 3, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2017 · Amount on File |
| Deed Sale | Nov 2, 2017 · Amount on File |
| Deed Book / Page | 1891 / 885 |
| Last Transfer Date | Nov 30, 2018 |
| Transfer Doc | 01941/0577 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01897/0716 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 1897/0716 |
| Instrument | 1897-0716 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Property Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01892/0193 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 1892/0193 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | STURGIS, MI 49091 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.36% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.36% |
| Index | 1-Year CMT |
| Max Rate | 11.3% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Dec 5, 2018 |
| Property Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Document Number | 01941/0577 |
| Book / Page | 1941 / 0577 |
| Map Reference | LB2 PG8 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Document Number | 0001941579 |
|---|---|
| Date | Dec 5, 2018 |
| Instrument | 1941/579 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Nov 2, 2017 |
| Property Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Document Number | 1891/0885 |
| Book / Page | 1891 / 0885 |
| Map Reference | LB2 PG8 |
| Instrument Date | Oct 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,247.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 CHERRY ST, 414, STURGIS, MI 49091-2265 |
| Name | Verified Name |
|---|---|
| Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Jan 3, 2017 |
| Property Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
| Document Number | 1853/0032 |
| Book / Page | 1853 / 0032 |
| Map Reference | LB2 PG8 |
| Instrument Date | Dec 15, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 CHERRY ST, 414, STURGIS, MI 49091-2265 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 414 CHERRY ST, STURGIS, MI 49091-2265 |
The 2025 property tax bill for 414 Cherry St was $3,052 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $134,800 (+10.13%) | $269,600 (+10.13%) | |
| 2025 | $3,052.00 Homeowner's exemption | $122,400 Land $5,400 Building $117,000 | $244,800 Land $10,800 Building $234,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 414 Cherry 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.
Wildfire risk around 414 Cherry St 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.
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 374 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
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