505 E Chicago Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 505 E Chicago Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,635 sqft
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jul 2014)
Tax Bill	$2,515 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052-777-103-00`

Property Details

APN / Parcel Number

Primary APN	`052-777-103-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,635 sqft Building Perimeter
1st Floor Area	1,198 sqft
Basement Area	1,198 sqft
Unfinished Basement	1,198 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	253 ft deep x 86 ft wide
Garage Area	568 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	505 E CHICAGO RD
City	STURGIS
State	MI
Zip	49091-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT INTER OF S LN CHI RD WITH W LN OF E 1/2 OF SE 1/4 SEC. 1 T8S R10W TH NELY ALG RD 13 RDS 6 FT 2 IN. TH S 133 FT 8 IN TO
Legal Range	10W
Legal Township	08S
Legal Section	01
Legal Subdivision	ELECTRIC COURT ADDITION
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1003
Census Tract	40500

Owner

505 E Chicago Rd is owned and occupied by two individuals who bought it in July 2014.

Source: St. Joseph County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	505 E CHICAGO RD, STURGIS, MI 49091-1800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Feb 9, 2021	Quit Claim Deed, Transfer PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC
Feb 16, 2007	Warranty Deed, Transfer · ARM OPTION ONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2014 · Amount on File
Deed Sale	Jul 22, 2014 · Amount on File
Prior Sale	Jul 19, 2013 · Amount on File
Deed Book / Page	1751 / 886
Prior Transfer Date	Feb 9, 2007
Prior Transfer Doc	01422/0406
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	505 E CHICAGO RD, STURGIS, MI 49091-1800
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021003414
Date	Apr 9, 2021
Instrument	2021003414

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 9, 2021
Property Address	505 E CHICAGO RD, STURGIS, MI 49091-1800
Document Number	2021001369
Instrument Date	Jan 4, 2021
Instrument	2021001369
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 SNOW ST, SUGAR GROVE, IL 60554-5434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 E CHICAGO RD, STURGIS, MI 49091-1800

February 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Feb 16, 2007
Property Address	505 E CHICAGO RD, STURGIS, MI 49091-1800
Document Number	01422/0409
Book / Page	1422 / 0409
Instrument Date	Feb 9, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	DEVON TITLE THREE RIVERS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	607 CHERRY ST, STURGIS, MI 49091-2203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 12, ALLEN, MI 49227-0012

Mortgage

Document Number	0014220411
Date	Feb 16, 2007
Instrument	1422/0411

Lender

Name	OPTION ONE MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	9.05%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	6%
Max Rate At Change	12%
Index	6-Month LIBOR
Margin	6
Max Rate	15%

Mortgage

Document Number	01422/0422
Date	Feb 16, 2007
Book Page	1422/0422

Lender

Name	OPTION ONE MORTGAGE CORP
Type	Subprime Lender
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 505 E Chicago Rd was $2,515 with a homeowner's exemption.

Source: St. Joseph County assessment roll, as of August 11, 2025

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		$88,200 (+5.38%)	$176,400 (+5.38%)
2025	$2,515.00 Homeowner's exemption	$83,700 Land $5,000 Building $78,700	$167,400 Land $10,000 Building $157,400

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

Flood

FEMA maps place 505 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 505 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 97% of the US · lower than 93% 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.

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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