69498 Vicky Dr, Sturgis, MI 49091 Property Records

St. Joseph County property record for 69498 Vicky Dr, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,106 sqft · built 1975
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2023)
Tax Bill	$765 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-050-032-00`

Property Details

APN / Parcel Number

Primary APN	`015-050-032-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,106 sqft Living Area
1st Floor Area	1,106 sqft
Basement Area	1,106 sqft
Unfinished Basement	1,106 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	132 ft deep x 105 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	69498 VICKY DR
City	STURGIS
State	MI
Zip	49091-8718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 32 ELAINE MANOR SUB SEC 11 T8S R10W
Legal Range	10W
Legal Township	08S
Legal Section	11
Legal Subdivision	ELAINE MANOR SUB
Legal Lot Number	32
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1003
Census Tract	40600

Owner

69498 Vicky Dr is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	69498 VICKY DR, STURGIS, MI 49091-8718
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
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage MEMBER FIRST MORTGAGE LLC
Sep 1, 2023	Warranty Deed, Transfer · FHA Mortgage MEMBER FIRST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Jan 25, 2003 · Amount on File
Deed Document Number	20236291
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	69498 VICKY DR, STURGIS, MI 49091-8718
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69498 VICKY DR, STURGIS, MI 49091-8718

Mortgage

Document Number	2025007284
Date	Sep 17, 2025
Instrument	2025007284

Lender

Name	MEMBER FIRST MORTGAGE LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49548

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2054

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 1, 2023
Property Address	69498 VICKY DR, STURGIS, MI 49091-8718
Document Number	2023006291
Map Reference	LB 3 PG 35
Instrument Date	Aug 30, 2023
Instrument	2023006291
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69526 WHITE SCHOOL RD, STURGIS, MI 49091-8225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CENTER ST, STURGIS, MI 49091-1140

Mortgage

Document Number	2023006292
Date	Sep 1, 2023
Instrument	2023006292

Lender

Name	MEMBER FIRST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 69498 Vicky Dr was $765 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
County Subdivision	Sturgis Township
Unified School District	Sturgis Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,100	$162,200
2025	$765.00 Homeowner's exemption
2023		$57,000 Land $4,900 Building $52,100	$114,000 Land $9,800 Building $104,200

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 69498 Vicky Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 69498 Vicky Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 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

May also be available: T-Mobile.

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