St. Joseph County property record for 604 Cottage, Sturgis, MI 49091
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 882 sqft |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $51,800 (Oct 2012) |
| Tax Bill | $966 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-380-018-00 |
| Primary APN | 052-380-018-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 882 sqft Building Perimeter |
| 1st Floor Area | 504 sqft |
| Lot Area | 7,841 sqft (0.18 acres) |
|---|---|
| Lot Dimensions | 128 ft deep x 61 ft wide |
| Garage Area | 306 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 604 COTTAGE |
|---|---|
| City | STURGIS |
| State | MI |
| Zip | 49091-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23. KENSINGTON HEIGHTS ADD. CITY OF STURGIS. |
| Legal Subdivision | KENSINGTON HEIGHTS |
| Legal Lot Number | 23 |
| Jurisdiction | ST JOSEPH MI |
| Township / Civil Division | STURGIS |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 40500 |
604 Cottage is owned and occupied by two individuals who bought it in October 2012.
Source: St. Joseph County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 604 COTTAGE, STURGIS, MI 49091-2206 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2012 · Amount on File |
| Deed Sale | Oct 23, 2012 · Amount on File |
| Prior Sale | Apr 27, 2010 · Amount on File |
| Deed Book / Page | 1674 / 867 |
| Prior Transfer Date | Apr 19, 2010 |
| Prior Transfer Doc | 1572/0083 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 604 Cottage was $966 with a homeowner's exemption.
Source: St. Joseph County assessment roll, as of August 11, 2025
| 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 | $45,900 (+6.74%) | $91,800 (+6.74%) | |
| 2025 | $966.00 Homeowner's exemption | $43,000 Land $4,400 Building $38,600 | $86,000 Land $8,800 Building $77,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 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.
The area around 604 Cottage has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 293 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 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
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