905 River St, Kalamazoo, MI 49048 Property Records

Kalamazoo County property record for 905 River St, Kalamazoo, MI 49048

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,524 sqft · built 1918
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Aug 2021 Reverse Mortgage Dec 2018 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-19-430-021`

Property Details

APN / Parcel Number

Primary APN	`07-19-430-021`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,524 sqft Living Area
1st Floor Area	804 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	208 ft deep x 227 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	905 RIVER ST
City	KALAMAZOO
State	MI
Zip	49048-9514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-H
Legal Description	SEC 19-2-10 COM AT INT OF S LI N1/2 SE1/4 SEC 19 WITH CTR LI RIVER ST TH N 21DEG 30MIN 30SEC E ALG CTR LI SD ST 836.14 FT FOR
Legal Range	10
Legal Township	02
Legal Section	19
Jurisdiction	KALAMAZOO MI
Township / Civil Division	COMSTOCK
Census Block Group	2
Census Block	2023
Census Tract	2201

Owner

905 River St is owned and occupied by two individuals who acquired it in February 2006.

Source: Kalamazoo County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	905 RIVER ST, KALAMAZOO, MI 49048-9514
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
Aug 17, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
Dec 31, 2018	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 14, 2006
Transfer Doc	2006006393
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	905 RIVER ST, KALAMAZOO, MI 49048-9514
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 RIVER ST, KALAMAZOO, MI 49048-9514

Mortgage

Document Number	2021032902
Date	Aug 17, 2021
Instrument	2021-032902

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	ALDEN, MI 49612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KALAMAZOO MI
Recording Date	Dec 31, 2018
Property Address	905 RIVER ST, KALAMAZOO, MI 49048-9514
Document Number	2018040122
Instrument Date	Sep 22, 2018
Instrument	2018-040122
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 RIVER ST, KALAMAZOO, MI 49048-9514

Mortgage

Document Number	2018040123
Date	Dec 31, 2018
Instrument	2018-040123

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Mortgage

Document Number	2018040124
Date	Dec 31, 2018
Instrument	2018-040124

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVE
Type	Non-Lending Institution
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 905 River St was $1,077 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kalamazoo County
County Subdivision	Comstock Charter Township
Unified School District	Comstock Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,900 (-)	$147,800 (-)
2025	$1,077.00 Homeowner's exemption	$73,900	$147,800
2023		$61,400	$122,800
2021	$1,676.00

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

Flood

FEMA maps place 905 River St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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
Nearby Flood Claims	4 (1989–2008)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2008 · river or lake flooding

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 905 River St 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	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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