809 Ludgate Ln, Portage, MI 49002 Property Records

Kalamazoo County property record for 809 Ludgate Ln, Portage, MI 49002

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,670 sqft · built 1974
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Deeds & Mortgages	Mar 2021 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-04200-266-O`

Property Details

APN / Parcel Number

Primary APN	`10-04200-266-O`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,670 sqft Living Area
1st Floor Area	1,670 sqft
Basement Area	1,670 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Lot Width	137 ft Width
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Deck Area	177 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	809 LUDGATE LN
City	PORTAGE
State	MI
Zip	49002-4351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LAKEWOOD HOMESITES LOT 266 EXC BEG AT SW COR, TH N 54 DEG 49 MIN E 117 FT TO NW COR OF SAID LOT, TH SWLY TO A PT 15 FT SELY
Legal Subdivision	LAKEWOOD HOMESITES
Legal Lot Number	266
Jurisdiction	KALAMAZOO MI
Township / Civil Division	PORTAGE
Census Block Group	5
Census Block	5016
Census Tract	1905

Owner

809 Ludgate Ln is owned and occupied by two individuals who acquired it in March 2017.

Source: Kalamazoo County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	809 LUDGATE LN, PORTAGE, MI 49002-4351
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
Mar 19, 2021	Deed of Trust, Mortgage · Line of Credit MERCANTILE BANK OF MICHIGAN
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK OF MICHIGAN
Mar 29, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2004
Deed Sale	Mar 17, 2004
Prior Sale	May 20, 2003 · Amount on File
Deed Document Number	200412758
Last Transfer Date	Mar 23, 2017
Transfer Doc	2017008932
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	809 LUDGATE LN, PORTAGE, MI 49002-4351
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021010850
Date	Mar 19, 2021
Instrument	2021-010850

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	809 LUDGATE LN, PORTAGE, MI 49002-4351
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021009270
Date	Mar 8, 2021
Instrument	2021-009270

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	133 Months
Due	Apr 1, 2032

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KALAMAZOO MI
Recording Date	Mar 29, 2017
Property Address	809 LUDGATE LN, PORTAGE, MI 49002-4351
Document Number	2017008932
Map Reference	LB12 PG20
Instrument Date	Mar 23, 2017
Instrument	2017-008932
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 LUDGATE LN, PORTAGE, MI 49002-4351

Mortgage

Document Number	2017008933
Date	Mar 29, 2017
Instrument	2017-008933

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

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		$146,200 (+13.51%)	$292,400 (+13.51%)
2025	Homeowner's exemption	$128,800	$257,600

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

Flood

FEMA maps place 809 Ludgate Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 809 Ludgate Ln 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	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	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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Xfinity.

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