423 Gingham Ave, Portage, MI 49002 Property Records

Kalamazoo County property record for 423 Gingham Ave, Portage, MI 49002

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,596 sqft · built 1959
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Feb 2015)
Deeds & Mortgages	May 2026 Mortgage Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-05521-070-O`

Property Details

APN / Parcel Number

Primary APN	`10-05521-070-O`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,596 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	50 ft deep x 87 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	423 GINGHAM AVE
City	PORTAGE
State	MI
Zip	49002-7035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	MORRENS PLAT #1 LOT 70
Legal Subdivision	MORRENS PLAT #1
Legal Lot Number	70
Jurisdiction	KALAMAZOO MI
Township / Civil Division	PORTAGE
Census Block Group	4
Census Block	4002
Census Tract	2104

Owner

423 Gingham Ave is owned and occupied by an individual who bought it in February 2015.

Source: Kalamazoo County records, as of September 24, 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	Individual Name on File
Mailing Address	423 GINGHAM AVE, PORTAGE, MI 49002-7035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Feb 13, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2015 · Amount on File
Deed Sale	Feb 11, 2015 · Amount on File
Prior Sale	Jan 28, 2013 · Amount on File
Deed Document Number	20153914
Prior Transfer Date	Jan 17, 2013
Prior Transfer Doc	2013003859
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Recording Date	May 28, 2026
Property Address	423 GINGHAM AVE, PORTAGE, MI 49002-7035
Document Number	0000016486
Instrument Date	May 15, 2026
Instrument	202616486
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 GINGHAM AVE, PORTAGE, MI 49002-7035

Mortgage

Document Number	0000016486,
Date	May 28, 2026
Instrument	202616486

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	225 Months
Due	Feb 1, 2045

Interest

Rate	6.3%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	423 GINGHAM AVE, PORTAGE, MI 49002-7035
Transaction Type	Mortgage
Record Updated	Feb 27, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 GINGHAM AVE, PORTAGE, MI 49002-7035

Mortgage

Document Number	2023003316
Date	Feb 13, 2023
Instrument	2023-003316

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Feb 1, 2045

Tax Assessment & Valuation

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

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		$128,300	$256,600
2025	Homeowner's exemption

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 423 Gingham Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 423 Gingham Ave is low, with 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 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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