803 E Main St, Sturgis, MI 49091 Property Records

St. Joseph County property record for 803 E Main St, Sturgis, MI 49091

Property Summary

Property Type	Single Family Home
Details	1 ba · 624 sqft · built 1925
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$67,000 (Sep 2023)
Tax Bill	$1,629 (2025)
Deeds & Mortgages	Jan 2026 Transfer Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052-290-214-00`

Property Details

APN / Parcel Number

Primary APN	`052-290-214-00`

Interior

Full Baths	1 Bath
Building Area	624 sqft Building Perimeter
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	153 ft deep x 45 ft wide
Garage Area	364 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	803 E MAIN ST
City	STURGIS
State	MI
Zip	49091-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 227 EXC E 23 FT. HAGERMAN & FREELAND ADD. CITY OF STURGIS.
Legal Subdivision	HAGERMAN & FREELAND ADD
Legal Lot Number	227
Jurisdiction	ST JOSEPH MI
Township / Civil Division	STURGIS
Census Block Group	3
Census Block	3005
Census Tract	40800

Owner

Source: St. Joseph County records, as of July 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	803 E MAIN ST, STURGIS, MI 49091-1544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Intrafamily Transfer, Transfer PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Jan 4, 2024	Quit Claim Deed, Transfer PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Jun 6, 1997 · Amount on Record
Deed Document Number	20236565
Last Transfer Date	Dec 29, 2023
Transfer Doc	2024000101
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 23, 2026
Property Address	803 E MAIN ST, STURGIS, MI 49091-1544
Document Number	2026000555
Map Reference	LB 1 PG 54
Instrument Date	Jan 23, 2026
Instrument	2026000555
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	803 E MAIN ST, STURGIS, MI 49091-1544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	803 E MAIN ST, STURGIS, MI 49091-1544
Investor	Possibly a Property Investor

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	803 E MAIN ST, STURGIS, MI 49091-1544
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E MAIN ST, STURGIS, MI 49091-1544

Mortgage

Document Number	2024003208
Date	Apr 29, 2024
Instrument	2024003208

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 15, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Jan 4, 2024
Property Address	803 E MAIN ST, STURGIS, MI 49091-1544
Document Number	2024000101
Map Reference	LB 1 PG 54
Instrument Date	Dec 29, 2023
Instrument	2024000101
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26114 CINDA LOU LN, STURGIS, MI 49091-9742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66952 SHERMAN MILL RD, STURGIS, MI 49091-9227

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 12, 2023
Property Address	803 E MAIN ST, STURGIS, MI 49091-1544
Document Number	2023006565
Map Reference	LB 1 PG 54
Instrument Date	Sep 6, 2023
Instrument	2023006565
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97 TWAIN ST, GERRARDSTOWN, WV 25420-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	26114 CINDA LOU LN, STURGIS, MI 49091-9742

Mortgage

Document Number	2023006566
Date	Sep 12, 2023
Instrument	2023006566

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	8.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2033
Change Frequency	Annually
Min Rate At Change	6.62%
Max Rate At Change	10.6%
Index	1-Year CMT
Max Rate	14.6%

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 24, 2026

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		$44,400 (+7.51%) Land $5,000 Building $39,400	$88,800 (+7.51%) Land $10,000 Building $78,800
2025	$1,629.00 (-26.49%) Homeowner's exemption	$41,300 (+32.8%) Land $4,100 Building $37,200	$82,600 (+32.8%) Land $8,200 Building $74,400
2024	$2,216.00
2023		$31,100 Land $3,600 Building $27,500	$62,200 Land $7,200 Building $55,000

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	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 275 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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