707 E Jerolene St, Sturgis, MI 49091 Property Records

St. Joseph County property record for 707 E Jerolene St, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,160 sqft
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2025)
Tax Bill	$1,160 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052-290-154-00`

Property Details

APN / Parcel Number

Primary APN	`052-290-154-00`

Interior

Full Baths	1 Bath
Building Area	1,160 sqft Building Perimeter
1st Floor Area	1,160 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	100 ft deep x 51.5 ft wide
Garage Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	707 E JEROLENE ST
City	STURGIS
State	MI
Zip	49091-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 51.5 FT OF LOTS 156 & 158. HAGERMAN & FREELAND ADD. CITY OF STURGIS.
Legal Subdivision	HAGERMAN & FREELAND ADD CITY OF STURGIS
Legal Lot Number	156,158
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	3
Census Block	3001
Census Tract	40800

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	1302 CATO LN, STURGIS, MI 49091-9277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2017	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Oct 17, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 4, 2007	Deed, Transfer · ARM AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Aug 12, 2009 · Amount on Record
Prior Transfer Date	Jun 8, 2007
Prior Transfer Doc	1446/0249
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	707 E JEROLENE ST, STURGIS, MI 49091-1221
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01864/0387
Date	Apr 4, 2017
Book Page	1864/0387

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	STURGIS, MI 49091

Agreement

Amount	Amount Recorded

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Oct 17, 2025
Property Address	707 E JEROLENE ST, STURGIS, MI 49091-1221
Document Number	2025008230
Map Reference	LB 1 PG 54
Instrument Date	Oct 16, 2025
Instrument	2025008230
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1612 KENWOOD DR, LAWRENCE, KS 66044-1030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 E JEROLENE ST, STURGIS, MI 49091-1221

Mortgage

Document Number	2025008231
Date	Oct 17, 2025
Instrument	2025008231

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 4, 2007
Property Address	707 E JEROLENE ST, STURGIS, MI 49091-1221
Document Number	01452/0523
Book / Page	1452 / 0523
Map Reference	LB1 PG54
Instrument Date	Aug 24, 2007
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$331.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10385 WESTMOOR DR STE 100, 100, WESTMINSTER, CO 80021-2577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 E JEROLENE ST, STURGIS, MI 49091-1221

Mortgage

Document Number	0014520524
Date	Sep 4, 2007
Instrument	1452/0524

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	13.1%
Index	1-Year LIBOR

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		$72,600 (+28.95%)	$145,200 (+28.95%)
2025	$1,160.00 (-14.71%) Homeowner's exemption	$56,300 Land $3,200 Building $53,100	$112,600 Land $6,400 Building $106,200
2024	$1,360.00

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

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 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	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 526 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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