705 E Chicago Rd, Sturgis, MI 49091 Property Records

St. Joseph County property record for 705 E Chicago Rd, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,274 sqft
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2020)
Tax Bill	$1,975 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052-777-071-00`

Property Details

APN / Parcel Number

Primary APN	`052-777-071-00`

Interior

Full Baths	1 Bath
Building Area	1,274 sqft Building Perimeter
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	180 ft deep x 81 ft wide
Garage Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	705 E CHICAGO RD
City	STURGIS
State	MI
Zip	49091-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM ON SLY LN OF CHICAGO ST AT A PT 18 RDS 4 1/2 FT WLY FROM INT OF SLY LN OF CHICAGO ST & E LN OF SEC 1 T8S R10W; TH S 17 RD
Legal Range	10W
Legal Township	08S
Legal Section	01
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1002
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	705 E CHICAGO RD, STURGIS, MI 49091-1804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Jul 11, 2022	Deed of Trust, Mortgage · VA Mortgage LENDING 3 INC
Sep 4, 2020	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Apr 8, 2013 · Amount on Record
Deed Document Number	20205258
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	705 E CHICAGO RD, STURGIS, MI 49091-1804
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01985/0844
Date	Nov 25, 2019
Book Page	1985/0844

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	10.2%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	705 E CHICAGO RD, STURGIS, MI 49091-1804
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01985/0857
Date	Nov 25, 2019
Book Page	1985/0857

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	705 E CHICAGO RD, STURGIS, MI 49091-1804
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 E CHICAGO RD, STURGIS, MI 49091-1804
Investor	Possibly a Property Investor

Mortgage

Document Number	2022006240
Date	Jul 11, 2022
Instrument	2022006240

Lender

Name	LENDING 3 INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 4, 2020
Property Address	705 E CHICAGO RD, STURGIS, MI 49091-1804
Document Number	2020005258
Instrument Date	Aug 28, 2020
Instrument	2020005258
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABTRACT & TTL OFFICE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	705 E CHICAGO RD, STURGIS, MI 49091-1804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MECHANIC ST, STURGIS, MI 49091
Investor	Possibly a Property Investor

Mortgage

Date	Sep 4, 2020

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$77,700	$155,400
2025	$1,975.00 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	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.

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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