402 Gingham Ave, Portage, MI 49002 Property Records

Kalamazoo County property record for 402 Gingham Ave, Portage, MI 49002

Property Summary

Property Type	Single Family Home
Details	1 ba · 980 sqft · built 1959
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$116,500 (Apr 2013)
Tax Bill	$2,503 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-05521-084-O`

Property Details

APN / Parcel Number

Primary APN	`10-05521-084-O`

Interior

Full Baths	1 Bath
Building Area	980 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	50 ft deep x 87 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	402 GINGHAM AVE
City	PORTAGE
State	MI
Zip	49002-7036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	MORRENS PLAT #1 LOT 84
Legal Subdivision	MORRNES PLAT #1
Legal Lot Number	84
Jurisdiction	KALAMAZOO MI
Township / Civil Division	PORTAGE
Census Block Group	4
Census Block	4021
Census Tract	2104

Owner

Source: Kalamazoo 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	Company Name on Record
Mailing Address	402 GINGHAM AVE, PORTAGE, MI 49002-7036
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Jan 6, 2021	Intrafamily Transfer, Transfer
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2013 · Amount on Record
Deed Sale	Apr 1, 2013 · Amount on Record
Deed Document Number	201312720
Last Transfer Date	May 23, 2020
Transfer Doc	2021000594
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	402 GINGHAM AVE, PORTAGE, MI 49002-7036
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 GINGHAM AVE, PORTAGE, MI 49002-7036

Mortgage

Document Number	2023011288
Date	May 16, 2023
Instrument	2023-011288

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KALAMAZOO MI
Recording Date	Jan 6, 2021
Property Address	402 GINGHAM AVE, PORTAGE, MI 49002-7036
Document Number	2021000594
Map Reference	LB 22 PG 12
Instrument Date	May 23, 2020
Instrument	2021-000594
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	402 GINGHAM AVE, PORTAGE, MI 49002-7036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	402 GINGHAM AVE, PORTAGE, MI 49002-7036
Transaction Type	Mortgage
Record Updated	Feb 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020003642
Date	Feb 3, 2020
Instrument	2020-003642

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Kalamazoo County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Kalamazoo County
Municipality	Portage City
Unified School District	Portage Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,300 (+7.86%)	$186,600 (+7.86%)
2025	$2,503.00 Homeowner's exemption	$86,500	$173,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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	Indirect 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	PORTAGE serves 46,292 people · EPA ID MI0005520
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2021–2023) 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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