8192 Flat Rock Rdg, Portage, MI 49024 Property Records

Kalamazoo County property record for 8192 Flat Rock Rdg, Portage, MI 49024

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,496 sqft · built 2018
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Apr 2020 Line of Credit Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-05956-047-O`

Property Details

APN / Parcel Number

Primary APN	`10-05956-047-O`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,496 sqft Living Area
1st Floor Area	1,376 sqft
Basement Area	1,376 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	8,276 sqft (0.19 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8192 FLAT ROCK RDG
City	PORTAGE
State	MI
Zip	49024-7848
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD
Legal Description	WHISPER ROCK UNIT 47
Legal Subdivision	WHISPER ROCK CONDOMINIUM
Legal Lot Number	47
Legal Unit	47
Jurisdiction	KALAMAZOO MI
Township / Civil Division	PORTAGE
Census Block Group	3
Census Block	3001
Census Tract	2002

Owner

Source: Kalamazoo County records, as of July 27, 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 Record
Mailing Address	8192 FLAT ROCK RDG, PORTAGE, MI 49024-7848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 29, 2020	Intrafamily Transfer, Transfer
Jul 13, 2018	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 2, 2020
Transfer Doc	2020037565
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	8192 FLAT ROCK RDG, PORTAGE, MI 49024-7848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020011573
Date	Apr 15, 2020
Instrument	2020-011573

Lender

Name	PNC BANK NA
Type	Bank
Address	PORTAGE, MI 49002

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KALAMAZOO MI
Recording Date	Oct 29, 2020
Property Address	8192 FLAT ROCK RDG, PORTAGE, MI 49024-7848
Document Number	2020037565
Instrument Date	Oct 2, 2020
Instrument	2020-037565
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	8192 FLAT ROCK RDG, PORTAGE, MI 49024-7848

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Jul 13, 2018
Property Address	8192 FLAT ROCK RDG, PORTAGE, MI 49024-7848
Document Number	2018022562
Map Reference	DOC2016-03713
Instrument Date	Jul 3, 2018
Instrument	2018-022562
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4200 W CENTRE AVE, 4200, PORTAGE, MI 49024-4640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15315 S BARTON LAKE DR, VICKSBURG, MI 49097-8776

Mortgage

Document Number	2018022564
Date	Jul 13, 2018
Instrument	2018-022564

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Kalamazoo County assessment roll, as of July 27, 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		$231,300 (+2.03%)	$462,600 (+2.03%)
2025	Homeowner's exemption	$226,700	$453,400

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 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
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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