511 E Chicago Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 511 E Chicago Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,162 sqft
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$89,283 (Oct 2008)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`052-777-102-00`

Property Details

APN / Parcel Number

Primary APN	`052-777-102-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,162 sqft Building Perimeter
1st Floor Area	1,162 sqft
Basement Area	1,134 sqft
Unfinished Basement	1,134 sqft

Exterior

Architectural Style	Ranch
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Garage Area	322 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 E CHICAGO RD
City	STURGIS
State	MI
Zip	49091-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT INT E 1/8 LN SEC 1 T8S R10W CITY OF STURGIS & SLY LN CHICAGO RD TH ELY 413.50 FT ALG SD RD TH S 165.42 FT TO POB TH W
Legal Range	10W
Legal Township	08S
Legal Section	01
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1003
Census Tract	40500

Owner

Source: St. Joseph County records, as of July 20, 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	511 E CHICAGO RD, STURGIS, MI 49091-1800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Jul 23, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2008 · Amount on Record
Deed Sale	Oct 31, 2008 · Amount on Record
Prior Sale	Mar 25, 2002
Deed Book / Page	1505 / 680
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	511 E CHICAGO RD, STURGIS, MI 49091-1800
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 E CHICAGO RD, STURGIS, MI 49091-1800

Mortgage

Document Number	2023000346
Date	Jan 13, 2023
Instrument	2023000346

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	7.62%
Index	Other
Max Rate	12.6%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jul 23, 2020
Property Address	511 E CHICAGO RD, STURGIS, MI 49091-1800
Document Number	2020003655
Instrument Date	Jun 29, 2020
Instrument	2020003655
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27676 NORTHLAND DR, STURGIS, MI 49091-8104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 E CHICAGO RD, STURGIS, MI 49091-1800

Tax Assessment & Valuation

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		$74,500	$149,000
2025	$1,557.00 Homeowner's exemption

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

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 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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