Rental Investment Guide

Florence Township


Short-term & long-term rental regulations, fees, and investor resources for St. Joseph County, Michigan.

Updated May 2026

Area Overview


Florence Township is a rural 33-square-mile township in southern St. Joseph County, Michigan, organized in 1826 and home to roughly 1,300 residents.[1] The township straddles four school districts (White Pigeon, Constantine, Three Rivers, and Centreville) and includes part of Klinger Lake, a recreational lake that drives most local rental demand for both seasonal cottages and longer-term lakefront leases.[1]

Unlike St. Joseph County’s lakefront cities, Florence Township has not adopted a short-term rental ordinance or a township-level rental registration program. Rental activity is governed by the underlying Florence Township Zoning Ordinance (adopted 1957, amended over the years and split into Articles 1 through 18 as posted PDFs), the township’s nuisance-style ordinances on junk vehicles and outdoor festivals, the Michigan Construction Code as adopted by Ordinance 114, and state landlord-tenant law.[2][5]

Because there is no STR registration desk and no annual rental inspection program in Florence Township, the practical compliance burden falls on three places: parcel-level zoning compliance, septic capacity for lakefront and seasonal homes (handled by the Branch-Hillsdale-St. Joseph Community Health Agency), and state-law obligations (Truth in Renting Act, security deposit and eviction rules under PA 348 of 1972).[6][8][9] Before listing or leasing a Florence Township property, verify the parcel’s zoning district and septic system status using the resources below.

Quick Status Summary


Short-Term Rentals ALLOWED

No township short-term rental ordinance exists. STR use defaults to the underlying zoning district under the 1957 Florence Township Zoning Ordinance and its amendments. Operators must still comply with the Michigan Construction Code, the township’s nuisance ordinances (junk vehicles, outdoor festivals), and state lodging tax obligations.

Long-Term Rentals ALLOWED

Florence Township does not run a rental registration or inspection program. Long-term rentals operate under the underlying zoning district and Michigan landlord-tenant law (PA 348 of 1972 and the Truth in Renting Act of 1978). Eviction proceedings are heard in the St. Joseph County 3B District Court.

Rental Regulations


๐Ÿ—บ๏ธ Where STRs Are Allowed (Zoning)

Short-term rentals are governed by the parcel’s underlying zoning district under the Florence Township Zoning Ordinance, which was originally adopted in 1957 and is currently posted as Articles 1 through 18 of PDF text plus a Table of Contents on the township zoning page.[2] The ordinance does not call out short-term or vacation rentals as a separate use class, so STR operation is treated as the residential use of the dwelling unit within whichever district the parcel is in.

Because the township ordinance is posted only as scanned/PDF articles and is not searchable by-district in a single page, by-parcel zoning permissions are not available in machine-readable form here. For any specific property, verify the parcel’s district using the St. Joseph County FetchGIS Parcel Viewer and then confirm STR compatibility in writing with the Zoning Administrator before listing.[7]

๐Ÿ“ Registration & Permit Process

There is no township-level short-term rental registration, permit, or license required in Florence Township as of May 2026.[2] No application form, no annual fee, and no rental-specific inspection has been adopted by the Township Board.

Operators are still responsible for state-level obligations: collecting and remitting Michigan’s 6% Use Tax on rentals shorter than 30 days, complying with Michigan Construction Code requirements adopted via Ordinance 114 (typically only triggered when work requires a building permit), and following the Truth in Renting Act for any written rental agreement.[5][8] If your property uses a private septic system, a system evaluation through the Branch-Hillsdale-St. Joseph Community Health Agency is often appropriate before high-occupancy STR use begins.[6]

๐Ÿ“ฃ Operating Rules (Noise, Outdoor Events, Property Condition)

Florence Township does not publish STR-specific occupancy caps or quiet-hour rules, but three general ordinances apply to any property used for short-term rental: the Junk Vehicle and Litter Ordinance (#104), the Outdoor Festivals Ordinance (#118), and the Dangerous Structures Ordinance.[2] The Outdoor Festivals Ordinance is the most relevant for STR hosts because it sets permit requirements for any organized gathering on a property, and weddings, family reunions, and large lake parties commonly trigger it.[4]

The Litter and Junk Vehicle Ordinance enforces visible-property condition standards and can be cited by neighbors as a complaint vehicle if an STR overflows with trash or unregistered vehicles between turnovers.[3] Florence Township does not have a 24-hour-contact-person requirement in ordinance, but providing a local contact remains a strong practice.

๐Ÿ› ๏ธ Inspections & Safety Requirements

There is no recurring rental inspection in Florence Township. Construction, electrical, mechanical, and plumbing work on STR properties is regulated through the Michigan Construction Code as adopted by Ordinance 114, and triggered when the scope of work requires a permit (additions, structural changes, new bedrooms, deck rebuilds, etc.).[5] The township uses contracted inspectors: Dave Rigozzi for building inspections and Rick Walter for electrical (517-855-0617).[1]

Septic system condition is the most common practical issue for Florence Township STR operators because lakefront and rural parcels rely on private on-site sewage disposal. Branch-Hillsdale-St. Joseph Community Health Agency issues septic permits, performs perk tests, and inspects systems at the time of sale or major modification.[6] If you are buying a Florence Township property to operate as an STR with higher bed counts than the prior owner, a pre-purchase septic evaluation is a cheap way to avoid a six-figure replacement surprise.

๐ŸŒŠ Klinger Lake & Lakefront-Specific Considerations

Klinger Lake parcels in Florence Township face the same general zoning ordinance as inland parcels, but two practical factors matter more on the lake: shoreline frontage and septic capacity per bedroom.[6] Older lakefront cottages in this stretch of St. Joseph County frequently have undersized or non-conforming septic systems originally sized for a 2-bed seasonal cottage and now being marketed as 5- or 6-sleeper STR listings, which is a common source of nuisance complaints and code enforcement action.

Before bumping bed count or guest occupancy on a Klinger Lake STR, confirm the permitted bedroom count of the existing septic system through the Branch-Hillsdale-St. Joseph Community Health Agency and verify riparian/dock rights and any shoreline-protection setbacks with the Zoning Administrator.[6] Michigan’s Inland Lakes and Streams Act governs most physical alterations of the shoreline (docks, retaining walls, dredging) and is administered by EGLE rather than the township.

๐Ÿ—บ๏ธ Where LTRs Are Allowed (Zoning)

Long-term rentals are governed by the parcel’s underlying zoning district under the Florence Township Zoning Ordinance (Articles 1 through 18, posted as PDFs on the township zoning page).[2] Residential use of a dwelling unit, whether owner-occupied or tenant-occupied, is generally consistent with the residential and agricultural districts that cover most of the township, but the ordinance is posted only as scanned PDF articles and is not searchable by district in a single page.

For any specific property, verify the parcel’s zoning district using the St. Joseph County FetchGIS Parcel Viewer and confirm LTR compatibility (including any duplex or accessory dwelling restrictions) in writing with the Zoning Administrator before signing a lease.[7] If the property has been historically used as a non-conforming dwelling on agricultural land, that history matters.

๐Ÿ“ Registration & Permit Process

No registration is required. Florence Township does not run a rental registration program, does not issue annual rental licenses, and does not conduct routine rental inspections.[2] This is the opposite pattern from St. Joseph County’s cities (St. Joseph, Three Rivers, Sturgis), which do operate rental licensing programs.

Landlords still need to comply with the Michigan Truth in Renting Act of 1978 (every written lease must include the prescribed statutory notice in 12-point type) and PA 348 of 1972 (security deposit rules, 30-day move-out accounting, eviction-process requirements).[8][9] If construction work on the rental property triggers a permit, the Michigan Construction Code applies through Ordinance 114.[5]

๐Ÿ› ๏ธ Inspections & Safety Requirements

There is no recurring township inspection for LTR units. Code enforcement is complaint-driven and primarily uses the Dangerous Structures Ordinance, the Junk Vehicle and Litter Ordinance (#104), and the Michigan Construction Code (Ordinance 114) for permitted work.[2][3][5] Building inspections are performed by Dave Rigozzi (the township’s contracted building inspector); electrical inspections are by Rick Walter at 517-855-0617.[1]

For LTR properties served by private septic, system condition becomes the landlord’s responsibility under standard habitability obligations. The Branch-Hillsdale-St. Joseph Community Health Agency keeps records of permitted septic systems and inspects at point of sale or major modification.[6] Smoke and carbon monoxide alarm requirements track the Michigan Residential Code rather than a separate township rule.

โš–๏ธ Tenant Rights & Eviction Resources

Eviction cases for Florence Township rental properties are heard at the St. Joseph County 3B District Court Civil Division in Centreville, which handles landlord-tenant summary proceedings, small claims up to $7,000, and civil suits up to $25,000.[10] After a 7-Day Notice to Quit for nonpayment of rent (or a 30-Day Notice for other lease violations), a landlord may file a summary proceedings complaint at the 3B District Court; the court then schedules a hearing typically within two to three weeks.

Tenants in Florence Township are covered by the Michigan Truth in Renting Act (statutory notice required in every written lease), PA 348 of 1972 (one-and-a-half-month security deposit cap, escrow account requirement, 30-day accounting, written move-out notice), and the prohibition on self-help eviction (only a court order plus a sheriff or court officer can remove a tenant).[8][9] Tenants facing eviction can seek assistance from Legal Services of South Central Michigan, which serves St. Joseph County.

Official Resources


Property Tax Treatment


i
Important for investors: A property used as a rental in Michigan is generally classified as non-homestead, which is taxed at the full local millage rate (no Principal Residence Exemption). Short-term rental income may also be subject to the Michigan Use Tax on transient accommodations. Consult a CPA before underwriting any deal โ€” these are not opinions, they are starting points for your own tax research.

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Buying, selling, or investing in Florence Township?

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Sources & Downloads


  1. 1
    Florence Township โ€” Home http://www.florencetownship.org/
    Township history, square miles, population, board roster, meeting schedule
    Verified: 2026-05-17
  2. 2
    Florence Township โ€” Zoning Page http://www.florencetownship.org/zoning.html
    Lists all zoning ordinance articles (1 through 18), ordinances 104/114/118, dangerous structures, and Zoning Administrator contact
    Verified: 2026-05-17
  3. 3
    Property condition / nuisance ordinance
    Verified: 2026-05-17
  4. 4
    Permit requirements for organized outdoor gatherings on private property
    Verified: 2026-05-17
  5. 5
    Adopts the Michigan Construction Code
    Verified: 2026-05-17
  6. 6
    Branch-Hillsdale-St. Joseph Community Health Agency โ€” Sewage Disposal Systems https://www.bhsj.org/programs/36
    Septic permits, perk tests, system records for St. Joseph County
    Verified: 2026-05-17
  7. 7
    FetchGIS โ€” St. Joseph County Parcel Viewer https://app.fetchgis.com/?currentMap=stjo
    Free public parcel viewer with zoning overlays for St. Joseph County
    Verified: 2026-05-17
  8. 8
    Required lease notice; prohibited lease provisions
    Verified: 2026-05-17
  9. 9
    Michigan PA 348 of 1972 โ€” Landlord and Tenant Relationships https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-ACT-348-OF-1972
    Security deposit rules, eviction process, written notice requirements
    Verified: 2026-05-17
  10. 10
    Landlord-tenant summary proceedings and small claims venue
    Verified: 2026-05-17
  11. 11
    Hub for parcels, tax search, interactive maps
    Verified: 2026-05-17
How this guide is produced. This rental guide is researched and drafted with assistance from Claude, an AI model made by Anthropic, working from the official municipal sources linked in this page. AI can make mistakes โ€” any fact that would materially affect a purchase or rental decision should be verified against the official source cited above and confirmed directly with the municipality. See an error? Email a correction.