427 E Main St, Burr Oak, MI 49030 Property Records

St. Joseph County property record for 427 E Main St, Burr Oak, MI 49030

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,501 sqft
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Jan 2026)
Tax Bill	$1,093 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-777-006-00`

Property Details

APN / Parcel Number

Primary APN	`040-777-006-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,501 sqft Living Area
1st Floor Area	1,291 sqft
Basement Area	259 sqft
Unfinished Basement	259 sqft

Exterior

Lot Area	41,818 sqft (0.96 acres)
Lot Dimensions	232 ft deep x 181 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	427 E MAIN ST
City	BURR OAK
State	MI
Zip	49030-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM 208.5 FT SWLY ALG HWY FROM PT 33 1/3 RDS W & 16 RDS S OF NE COR OF SE 1/4 OF NE 1/4 SEC 23 TH NWLY AT R/A 14 RDS 18 IN TH
Legal Range	09W
Legal Township	07S
Legal Section	23
Legal Subdivision	VIL OF BURR OAK
Jurisdiction	ST JOSEPH MI
Township / Civil Division	BURR OAK
Census Block Group	2
Census Block	2018
Census Tract	41600

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	106 N 4TH ST, STURGIS, MI 49091-1464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 12, 2026	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK
Oct 15, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	2026227
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	427 E MAIN ST, BURR OAK, MI 49030-9450
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 E MAIN ST, BURR OAK, MI 49030-9450

Mortgage

Document Number	2023005973
Date	Aug 21, 2023
Instrument	2023005973

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 12, 2026
Property Address	427 E MAIN ST, BURR OAK, MI 49030-9450
Document Number	2026000227
Instrument Date	Jan 8, 2026
Instrument	2026000227
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,117.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	427 E MAIN ST, BURR OAK, MI 49030-9450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 N 4TH ST, STURGIS, MI 49091-1464

Mortgage

Document Number	2026000228
Date	Jan 12, 2026
Instrument	2026000228

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	2026000229
Date	Jan 12, 2026
Instrument	2026000229

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 15, 2019
Property Address	427 E MAIN ST, BURR OAK, MI 49030-9450
Document Number	1978/0728
Book / Page	1978 / 0728
Instrument Date	Oct 2, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Tax	$189.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1011 MERRYVIEW DR, 1011, STURGIS, MI 49091-1067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 MERCER ST, LIGONIER, IN 46767-2319

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Burr Oak Village
County	St. Joseph County
County Subdivision	Burr Oak Township
Unified School District	Burr Oak Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,600 (+4.88%) Land $12,400 Building $39,200	$103,200 (+4.88%) Land $24,800 Building $78,400
2025	$1,093.00 (+107.79%) Homeowner's exemption	$49,200 Land $12,200 Building $37,000	$98,400 Land $24,400 Building $74,000
2024	$526.00

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

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	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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