St. Joseph County property record for 503 Cottage, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 934 sqft |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Oct 2026) |
| Tax Bill | $1,868 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Feb 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-380-034-00 |
| Primary APN | 052-380-034-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 934 sqft Building Perimeter |
| 1st Floor Area | 934 sqft |
| Basement Area | 934 sqft |
| Unfinished Basement | 934 sqft |
| Lot Area | 7,405 sqft (0.17 acres) |
|---|---|
| Lot Dimensions | 85.6 ft deep x 84 ft wide |
| Garage Area | 460 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 503 COTTAGE |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-2262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40. KENSINGTON HEIGHTS ADD. CITY OF STURGIS. |
| Legal Subdivision | KENSINGTON HEIGHTS |
| Legal Lot Number | 40 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | STURGIS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 40500 |
503 Cottage is owned by an individual who bought it in October 2026.
Source: St. Joseph County records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 551 SAINT JOSEPH RD, BURR OAK, MI 49030-9514 |
| 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 |
|---|---|
| Oct 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Feb 19, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2026 · Amount on File |
| Deed Sale | Oct 5, 2026 · Amount on File |
| Deed Document Number | 20267971 |
| Prior Transfer Date | Feb 10, 2020 |
| Prior Transfer Doc | 1996/927 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Oct 5, 2026 |
| Property Address | 503 COTTAGE, STURGIS, MI 49091-2262 |
| Document Number | 0000007971 |
| Instrument Date | Oct 1, 2026 |
| Instrument | 20267971 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132,562.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 551 SAINT JOSEPH RD, BURR OAK, MI 49030-9514 |
| Document Number | 0000007972, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 20267972 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000007973, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 20267973 |
| Name | MICHIGAN STATE HSNG DEV AUTH |
|---|
| Amount | Amount on Record |
|---|
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOSEPH MI |
| Recording Date | Feb 19, 2020 |
| Property Address | 503 COTTAGE, STURGIS, MI 49091-2262 |
| Document Number | 1996/927 |
| Book / Page | 1996 / 927 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 69974 EISENHOWER RD, 69974, STURGIS, MI 49091-9568 |
| Name | Verified Name |
|---|---|
| Address | 503 COTTAGE, STURGIS, MI 49091-2262 |
The 2025 property tax bill for 503 Cottage was $1,868.
Source: St. Joseph County assessment roll, as of July 24, 2026
| 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 | $54,300 (+9.92%) Land $5,300 Building $49,000 | $108,600 (+9.92%) Land $10,600 Building $98,000 | |
| 2025 | $1,868.00 | $49,400 Land $4,600 Building $44,800 | $98,800 Land $9,200 Building $89,600 |
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.
FEMA maps place 503 Cottage 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 503 Cottage 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures