421 Sprague Ave, Kalamazoo, MI 49006 Property Records

Kalamazoo County property record for 421 Sprague Ave, Kalamazoo, MI 49006

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,331 sqft · built 1949
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Oct 2021)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-109-029`

Property Details

APN / Parcel Number

Primary APN	`06-21-109-029`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,331 sqft Living Area
1st Floor Area	1,331 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	6,970 sqft (0.16 acres)
Lot Width	54 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 SPRAGUE AVE
City	KALAMAZOO
State	MI
Zip	49006-4453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS5
Legal Description	42558 SPRAGUES ADDITION, LIBER 5 OF PLATS PAGE 32; LOT 29. ALSO THE SOUTH 4FT OF LOT 28.
Legal Subdivision	SPRAGUES ADDITION
Legal Lot Number	28-29
Jurisdiction	KALAMAZOO MI
Township / Civil Division	KALAMAZOO
Census Block Group	4
Census Block	4023
Census Tract	500

Owner

421 Sprague Ave is owned and occupied by two individuals who acquired it in June 2025.

Source: Kalamazoo County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 SPRAGUE AVE, KALAMAZOO, MI 49006-4453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Oct 5, 2021	Warranty Deed, Transfer TITLE RESOURCE AGENCY
Feb 14, 2017	Warranty Deed, Transfer MERIDIAN TITLE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on File
Deed Sale	Oct 5, 2021 · Amount on File
Prior Sale	Feb 14, 2017 · Amount on File
Deed Document Number	202139698
Last Transfer Date	Jun 11, 2025
Transfer Doc	2025022226
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	421 SPRAGUE AVE, KALAMAZOO, MI 49006-4453
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	PREMIER LAKESHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17127 LOVERS LN, THREE RIVERS, MI 49093-9010

Mortgage

Document Number	2021038224
Date	Sep 24, 2021
Instrument	2021-038224

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Oct 5, 2021
Property Address	421 SPRAGUE AVE, KALAMAZOO, MI 49006-4453
Document Number	2021039698
Map Reference	LB 5 PG 32
Instrument Date	Sep 21, 2021
Instrument	2021-039698
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Tax	$1,496.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 SPRAGUE AVE, 421, KALAMAZOO, MI 49006-4453

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 SPRAGUE AVE, KALAMAZOO, MI 49006-4453

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Feb 14, 2017
Property Address	421 SPRAGUE AVE, KALAMAZOO, MI 49006-4453
Document Number	2017004283
Map Reference	LB5 PG32
Instrument Date	Oct 17, 2016
Instrument	2017-004283
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	MERIDIAN TITLE CORPORATION

Transaction

Amount	Amount on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 SPRAGUE AVE, 421, KALAMAZOO, MI 49006-4453

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	25876 DUNNING ST, CASSOPOLIS, MI 49031-9646

Tax Assessment & Valuation

The 2025 property tax bill for 421 Sprague Ave was $3,970 with a homeowner's exemption.

Source: Kalamazoo County assessment roll, as of September 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,300 (+6.17%)	$206,600 (+6.17%)
2025	$3,970.00 Homeowner's exemption	$97,300	$194,600
2023		$71,500	$143,000
2019	$3,041.00

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

FEMA maps place 421 Sprague Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.

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
Nearby Flood Claims	3 (1999–2000)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2000 · river or lake flooding

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

Wildfire risk around 421 Sprague Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	KALAMAZOO serves 192,992 people · EPA ID MI0003520
Water Source	Groundwater
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2019
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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