455 1st St, Kalkaska, MI 49646 Property Records

Kalkaska County property record for 455 1st St, Kalkaska, MI 49646

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 2016
Lot Size	4.71 acres (205,168 sqft)
Owner	Individual Name on File
Tax Bill	$1,486 (2025)
Deeds & Mortgages	Oct 2021 Refinance Jun 2022 Transfer + 3 more
APN	`041-020-046-20`

Property Details

APN / Parcel Number

Primary APN	`041-020-046-20`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	205,168 sqft (4.71 acres)
Garage Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	455 1ST ST
City	KALKASKA
State	MI
Zip	49646-8910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL C: PART OF NE 1/4 OF NW 1/4 SEC 20 T27N-R7W COM AT N 1/4 COR OF SD SEC 20 TH S 89 DEG 24'46" W ALG N LI OF SD SEC
Legal Range	07W
Legal Township	27N
Legal Section	20
Jurisdiction	KALKASKA MI
Township / Civil Division	KALKASKA
Census Block Group	3
Census Block	3024
Census Tract	950300

Owner

455 1st St is owned and occupied by an individual who acquired it in June 2022.

Source: Kalkaska County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	455 1ST ST, KALKASKA, MI 49646-8910
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Jun 3, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 15, 2021	Quit Claim Deed, Transfer Quitclaim
May 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MBANK
Jul 26, 2017	Warranty Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022
Deed Sale	Jun 3, 2022
Prior Sale	May 1, 2019 · Amount on File
Deed Document Number	20223163210
Prior Transfer Date	Jun 1, 2022
Prior Transfer Doc	0003163210
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALKASKA MI
Property Address	455 1ST ST, KALKASKA, MI 49646-8910
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003159360
Date	Oct 11, 2021
Instrument	3159360

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KALKASKA MI
Recording Date	Jun 3, 2022
Property Address	455 1ST ST, KALKASKA, MI 49646-8910
Document Number	0003163210
Instrument Date	Jun 1, 2022
Instrument	3163210
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 1ST ST, KALKASKA, MI 49646-8910

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KALKASKA MI
Recording Date	Jul 15, 2021
Property Address	455 1ST ST, KALKASKA, MI 49646-8910
Document Number	0003157891
Instrument Date	Jul 13, 2021
Instrument	3157891
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	455 1ST ST, KALKASKA, MI 49646-8910

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALKASKA MI
Recording Date	May 1, 2019
Property Address	455 1ST ST, KALKASKA, MI 49646-8910
Document Number	0003145305
Instrument Date	Apr 24, 2019
Instrument	3145305
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 335, ELK RAPIDS, MI 49629-0335

Mortgage

Document Number	0003145306
Date	May 1, 2019
Instrument	3145306

Lender

Name	MBANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Apr 24, 2024
Max Rate At Change	4.85%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALKASKA MI
Recording Date	Jul 26, 2017
Property Address	455 1ST ST, KALKASKA, MI 49646-8910
Document Number	0003136532
Instrument Date	Jul 24, 2017
Instrument	3136532
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 1ST ST, 455, KALKASKA, MI 49646-8910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7203 10 MILE RD NE, ROCKFORD, MI 49341-9337

Mortgage

Document Number	0003136533
Date	Jul 26, 2017
Instrument	3136533

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 455 1st St was $1,486 with a homeowner's exemption, up 1% from the year before.

Source: Kalkaska County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kalkaska County
County Subdivision	Kalkaska Township
Municipality	Kalkaska Village
Unified School District	Kalkaska Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,800 (+6.5%)	$209,600 (+6.5%)
2025	$1,486.00 (+0.95%) Homeowner's exemption	$98,400	$196,800
2024	$1,472.00

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

Flood

FEMA has no flood map on file for 455 1st St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 455 1st St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	VILLAGE OF KALKASKA serves 2,020 people · EPA ID MI0003560
Water Source	Groundwater
Last State Inspection	Sep 2024

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 62 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 1st St

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