10643 N 45th St, Augusta, MI 49012 Property Records

Kalamazoo County property record for 10643 N 45th St, Augusta, MI 49012

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,112 sqft · built 2016
Lot Size	6.7 acres (291,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$44,000 (Jun 2015)
Tax Bill	$8,965 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-02-180-011`

Property Details

APN / Parcel Number

Primary APN	`04-02-180-011`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Basement Area	2,112 sqft
Unfinished Basement	2,112 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Lot Area	291,852 sqft (6.7 acres)
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10643 N 45TH ST
City	AUGUSTA
State	MI
Zip	49012-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 2-1-9 N 320.24 FT S 960.72 FT OF E 906.87 FT NW 1/4*
Legal Range	09
Legal Township	01
Legal Section	02
Jurisdiction	KALAMAZOO MI
Township / Civil Division	ROSS
Census Block Group	5
Census Block	5003
Census Tract	2601

Owner

Source: Kalamazoo County records, as of August 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10643 N 45TH ST, AUGUSTA, MI 49012-9639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit KELLOGG COMMUNITY CREDIT UNION
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage MARSHALL COMMUNITY CU
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage KELLOGG COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2015 · Amount on Record
Deed Sale	Jun 3, 2015 · Amount on Record
Deed Document Number	201519257
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Recording Date	Aug 4, 2026
Property Address	10643 N 45TH ST, AUGUSTA, MI 49012-9639
Document Number	0000023382
Instrument Date	Aug 3, 2026
Instrument	202623382
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10643 N 45TH ST, AUGUSTA, MI 49012-9639

Mortgage

Document Number	0000023382,
Date	Aug 4, 2026
Instrument	202623382

Lender

Name	KELLOGG COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	10643 N 45TH ST, AUGUSTA, MI 49012-9639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020034625
Date	Oct 7, 2020
Instrument	2020-034625

Lender

Name	MARSHALL COMMUNITY CU
Type	Credit Union
Address	MARSHALL, MI 49068

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	10643 N 45TH ST, AUGUSTA, MI 49012-9639
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020016146
Date	May 26, 2020
Instrument	2020-016146

Lender

Name	KELLOGG COMMUNITY CU
Type	Credit Union
Address	BATTLE CREEK, MI 49014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: Kalamazoo County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kalamazoo County
County Subdivision	Ross Township
Unified School District	Gull Lake Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$373,900 (+21.55%)	$747,800 (+21.55%)
2025	$8,965.00 (+26.61%) Homeowner's exemption
2023		$307,600	$615,200
2019	$7,081.00

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 8, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

May also be available: Mercury Fiber, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on N 45th St

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