604 Gingham Ave, Portage, MI 49002 Property Records

Kalamazoo County property record for 604 Gingham Ave, Portage, MI 49002

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 1958
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2025)
Tax Bill	$3,594 (2025)
Deeds & Mortgages	Oct 2013 Line of Credit Nov 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-05521-092-O`

Property Details

APN / Parcel Number

Primary APN	`10-05521-092-O`

Interior

Full Baths	2 Baths
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	136 ft deep x 90 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 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 92
Legal Subdivision	MORRENS 1
Legal Lot Number	92
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	2 Individual Names on Record
Mailing Address	1901 E CENTRE AVE, PORTAGE, MI 49002-4401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2013	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Nov 5, 2012	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Sep 23, 2025	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Record Updated	Sep 20, 2026

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	604 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013044253
Date	Oct 28, 2013
Instrument	2013-044253

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	204 Months
Due	Oct 19, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	604 GINGHAM AVE, PORTAGE, MI 49002-7040
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012042190
Date	Nov 5, 2012
Instrument	2012-042190

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2032

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Sep 23, 2025
Property Address	604 GINGHAM AVE, PORTAGE, MI 49002-7040
Document Number	2025024939
Map Reference	LB 22 PG 12
Instrument Date	Sep 18, 2025
Instrument	2025-024939
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 GINGHAM AVE, PORTAGE, MI 49002-7040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 E CENTRE AVE, PORTAGE, MI 49002-4401

Mortgage

Document Number	2025024940
Date	Sep 23, 2025
Instrument	2025-024940

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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		$135,500 (+8.05%)	$271,000 (+8.05%)
2025	$3,594.00 (-9.38%) Homeowner's exemption	$125,400	$250,800
2024	$3,966.00

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

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
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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