502 Gingham Ave, Portage, MI 49002 Property Records

Kalamazoo County property record for 502 Gingham Ave, Portage, MI 49002

Property Summary

Property Type	Single Family Home
Details	1 ba · 982 sqft · built 1959
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Apr 2018)
Tax Bill	$2,200 (2019)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`10-05521-088-O`

Property Details

APN / Parcel Number

Primary APN	`10-05521-088-O`

Interior

Full Baths	1 Bath
Building Area	982 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	12,632 sqft (0.29 acres)
Lot Width	87 ft Width
Garage Area	576 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	502 GINGHAM AVE
City	PORTAGE
State	MI
Zip	49002-7040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	MORRENS PLAT #1 LOT 88
Legal Subdivision	MORRENS PLAT #1
Legal Lot Number	88
Jurisdiction	KALAMAZOO MI
Township / Civil Division	PORTAGE
Census Block Group	4
Census Block	4021
Census Tract	2104

Owner

502 Gingham Ave is owned and occupied by two individuals who bought it in April 2018.

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	2 Individual Names on File
Mailing Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Aug 6, 2020	Deed of Trust, Mortgage · Line of Credit HONOR CU
May 12, 2021	Deed of Trust, Mortgage · Line of Credit HONOR CU
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit KELLOGG COMMUNITY CU
Jun 16, 2023	Deed of Trust, Mortgage · VA Mortgage SHAYMAK MORTGAGE LLC
Apr 13, 2018	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2018 · Amount on File
Deed Sale	Apr 13, 2018 · Amount on File
Prior Sale	Nov 30, 2007 · Amount on File
Deed Document Number	201812182
Prior Transfer Date	Nov 29, 2007
Prior Transfer Doc	2007043912
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040

Mortgage

Document Number	2026000130
Date	Jan 5, 2026
Instrument	2026-000130

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Sep 1, 2054

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020021551
Date	Jul 8, 2020
Instrument	2020-021551

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020025441
Date	Aug 6, 2020
Instrument	2020-025441

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 12, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021020121
Date	May 12, 2021
Instrument	2021-020121

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 12, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040

Mortgage

Document Number	2022022602
Date	Jul 8, 2022
Instrument	2022-022602

Lender

Name	KELLOGG COMMUNITY CU
Type	Credit Union
Address	BATTLE CREEK, MI 49016

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 7, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040

Mortgage

Document Number	2023014511
Date	Jun 16, 2023
Instrument	2023-014511

Lender

Name	SHAYMAK MORTGAGE LLC
Type	Mortgage Company
Address	DEWITT, MI 48820

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Apr 13, 2018
Property Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040
Document Number	2018012182
Map Reference	LB2 PG12
Instrument Date	Apr 6, 2018
Instrument	2018-012182
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	NATIONS TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	502 GINGHAM AVE, PORTAGE, MI 49002-7040

Mortgage

Document Number	2018012183
Date	Apr 13, 2018
Instrument	2018-012183

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

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		$91,400 (+7.91%)	$182,800 (+7.91%)
2025	Homeowner's exemption	$84,700	$169,400
2023		$68,400	$136,800
2019	$2,200.00

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

Flood

FEMA maps place 502 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 502 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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