Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$205,446$99 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $200,000 on Feb 25, 2026

304 COTTAGE

STURGIS, MI 49091
2
Baths
2,077 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.

Valuation

$205K
$175K low$236K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · Feb 25, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,561 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$132,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$124,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$122,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$264,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
61
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.25 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyST. JOSEPH
Lot (acres)The size of the land the home sits on, from county records.0.39
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Congress School
Elementary · Grades KG–2 · 0.6 mi
H
Sturgis High SchoolB-
High · Grades 9–12 · 0.8 mi
M
Sturgis Middle SchoolD
Middle · Grades 6–8 · 1.4 mi

District: Sturgis Public Schools

Neighborhood · ZIP 49091These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.19,010
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.212 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,994
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,096
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

304 Cottage measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 80% of homes in St. Joseph County
  • Bigger than 85% of homes in Sturgis 49091
  • Older than 79% of homes in Sturgis 49091

What homes are worth in Sturgis 49091

Each bar is how many homes fall in that price range. The marker is this home.

This home
$63K$873K

This home is worth more than 54% of homes in Sturgis 49091.

How it measures up in Sturgis 49091

The dot is this home. The mark in the middle is the typical home in Sturgis 49091.

Estimated value$205,446
CheaperTypical $192,781Pricier

Pricier than 54% of homes nearby

Price per ft²$99
CheaperTypical $140Pricier

Pricier than 22% of homes nearby

Living area2,077 ft²
SmallerTypical 1,394 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.39 ac
SmallerTypical 0.34 acBigger

Bigger than 53% of homes nearby

Year built1950
OlderTypical 1973Newer

Newer than 21% of homes nearby

How 304 Cottage ranks against every home in each area.
MeasureThis homeSturgis 49091St. Joseph County
Estimated valuepricier than$205,44654% of homes51% of homes
Price per ft²pricier than$9922% of homes20% of homes
Living areabigger than2,077 ft²85% of homes84% of homes
Lot sizebigger than0.39 ac53% of homes42% of homes
Year builtnewer than195021% of homes34% of homes

About 304 Cottage

How much is 304 Cottage, Sturgis, MI worth?

The TopHap Estimate for 304 Cottage, Sturgis, MI is $205,446 as of Sep 24, 2026. The likely range is $175,208 to $235,684. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 304 Cottage, Sturgis, MI last sell?

304 Cottage, Sturgis, MI last sold on Feb 25, 2026 for $200,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 304 Cottage, Sturgis, MI?

304 Cottage, Sturgis, MI has 2 bathrooms, 2,077 square feet of living space and a 0.39-acre lot.

When was 304 Cottage, Sturgis, MI built?

304 Cottage, Sturgis, MI was built in 1950, making it 76 years old.

What schools serve 304 Cottage, Sturgis, MI?

304 Cottage, Sturgis, MI is assigned to Congress School (elementary); Sturgis High School (high), rated B-; Sturgis Middle School (middle), rated D. All sit in Sturgis Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 304 Cottage, Sturgis, MI compare to other homes in Sturgis 49091?

Among the 7,246 homes in Sturgis 49091, it is worth more than 54% of them ($205,446 against a typical $192,781), its price per square foot is higher than 22% of them ($99 against a typical $140), it is bigger than 85% of them (2,077 ft² against a typical 1,394 ft²), its lot is bigger than 53% of them (0.39 ac against a typical 0.34 ac) and it is newer than 21% of them (1950 against a typical 1973). Measured against all of St. Joseph County, it is worth more than 51% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 304 Cottage, Sturgis, MI?

The 2025 property tax bill for 304 Cottage, Sturgis, MI was $4,561. The county assessed it at $132,400.

More homes on Cottage

Closest homes

More homes in Sturgis 49091

Assigned schools

Explore the area

See this home in context

Open 304 Cottage on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map