720 Ray St, Kalamazoo, MI 49048 Property Records

Kalamazoo County property record for 720 Ray St, Kalamazoo, MI 49048

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1945
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Jun 2012)
Tax Bill	$561 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2018 Transfer
Flood Zone	Zone AE (high risk)
APN	`06-15-248-041`

Property Details

APN / Parcel Number

Primary APN	`06-15-248-041`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	798 sqft
Unfinished Basement	798 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	40 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	720 RAY ST
City	KALAMAZOO
State	MI
Zip	49048-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMU
Legal Description	45934 ASSESSORS PLAT OF THOMAS ADDITION, LIBER 9 OF PLATS PAGE 8; THE EAST 50FT OF LOT 41
Legal Subdivision	THOMAS ADDITION
Legal Lot Number	41
Jurisdiction	KALAMAZOO MI
Township / Civil Division	KALAMAZOO
Census Block Group	3
Census Block	3008
Census Tract	100

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	Individual Name on Record
Mailing Address	720 RAY ST, KALAMAZOO, MI 49048-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · FHA Mortgage INDEPENDENT BANK
Sep 6, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2012 · Amount on Record
Deed Sale	Jun 6, 2012 · Amount on Record
Prior Sale	Jan 23, 2008 · Amount on Record
Deed Document Number	201221952
Last Transfer Date	Aug 27, 2018
Transfer Doc	2018028251
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Jul 21, 2026
Property Address	720 RAY ST, KALAMAZOO, MI 49048-1744
Document Number	0000021838
Instrument Date	Jul 2, 2026
Instrument	202621838
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125,947.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 RAY ST, KALAMAZOO, MI 49048-1744

Mortgage

Document Number	0000021839,
Date	Jul 21, 2026
Instrument	202621839

Lender

Name	INDEPENDENT BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Sep 6, 2018
Property Address	720 RAY ST, KALAMAZOO, MI 49048-1744
Document Number	2018028251
Map Reference	LB9 PG8
Instrument Date	Aug 27, 2018
Instrument	2018-028251
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 N ORIENT ST, 628, KALAMAZOO, MI 49004-1780

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	628 N ORIENT ST, KALAMAZOO, MI 49004-1780

Tax Assessment & Valuation

Source: Kalamazoo County assessment roll, as of September 18, 2025

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		$47,200 (-)	$94,400 (-)
2025	$561.00 (-28.17%) Homeowner's exemption	$47,200 (+31.11%)	$94,400 (+31.11%)
2023		$36,000	$72,000
2019	$781.00

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1985–2018)
Most Recent Claim	Feb 2018 · other causes

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% 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	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 93 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
Starlink Satellite	280 / 30

May also be available: AT&T, Metronet.

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