506 E Chicago Rd, White Pigeon, MI 49099 Property Records

St. Joseph County property record for 506 E Chicago Rd, White Pigeon, MI 49099

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,416 sqft · built 1950
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2021)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-140-003-00`

Property Details

APN / Parcel Number

Primary APN	`045-140-003-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,416 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	141 ft deep x 75.2 ft wide
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	506 E CHICAGO RD
City	WHITE PIGEON
State	MI
Zip	49099-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3. LOUGH ADD. VIL OF WHITE PIGEON.
Legal Subdivision	LOUGH ADD. VIL OF WHITE PIGEON
Legal Lot Number	3
Jurisdiction	ST JOSEPH MI
Township / Civil Division	WHITE PIGEON
Census Block Group	3
Census Block	3026
Census Tract	41400

Owner

506 E Chicago Rd is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	506 E CHICAGO RD, WHITE PIGEON, MI 49099-8727
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Deed Document Number	20219747
Prior Transfer Date	Jul 12, 2013
Prior Transfer Doc	1712/0193
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	506 E CHICAGO RD, WHITE PIGEON, MI 49099-8727
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 E CHICAGO RD, WHITE PIGEON, MI 49099-8727

Mortgage

Document Number	2021012463
Date	Dec 10, 2021
Instrument	2021012463

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 28, 2021
Property Address	506 E CHICAGO RD, WHITE PIGEON, MI 49099-8727
Document Number	2021009747
Map Reference	LB 2 PG 92
Instrument Date	Sep 16, 2021
Instrument	2021009747
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 E CHICAGO RD, 506, WHITE PIGEON, MI 49099-8727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E STATE ST, COLON, MI 49040-9432

Mortgage

Date	Sep 28, 2021

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 506 E Chicago Rd was $2,117 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,300 (+9.83%) Land $21,200 Building $67,100	$176,600 (+9.83%) Land $42,400 Building $134,200
2025	$2,117.00 Homeowner's exemption	$80,400 Land $19,300 Building $61,100	$160,800 Land $38,600 Building $122,200

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

FEMA maps place 506 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 506 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITE PIGEON serves 1,640 people · EPA ID MI0007070
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet, Midwest Energy & Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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