As we have known from the Ancient History of Human Beings that for their survival of Life, People are always live closely to the water. It is because water is a basic need for Human Beings. For this reason, People build their houses along the River's banks or on the beaches. Based on this Philosophy, we have seen along the Kahayan's River Bank at the Central Kalimantan in Indonesia, there are the settlements on it. For having more accurate data, we also made some interviews to the People, who live in this settlement. We also made some Interviews to the some officials of the Local Government of Central Kalimantan. We also have made Library Research for having more clearly of its Research and to make it accomplished. We have found that, in this Urban Settlement, there are Three Characteristics Houses at the Kahayan's River Bank – Central Kalimantan. Due to the Natural Conditions, the People of its region have built their houses by adopting its surrounding/natural conditions. The Houses are the Floating‟s Houses located really on the River; The Scaffolding‟s Houses/the Upraised Platform Houses located between the River and the Land/ Water and Soil; The Ordinary‟s Houses located on the earth/ground/soil. Focusing on how the People of this Region fulfill their needs in adopting the Nature's/Environment's condition. We have tried to understand and distributing this knowledge by explaining their characteristics of the houses from these elements, such as the Location; the Materials of the Buildings; How People Live in it; the Layout of the Houses; the Infrastructure; the Transportation; Trade and Commerce; the Problems of the Settlement and also the impact to the River. We give also the solution of the problems. The purpose this report we would like to sharing our knowledge to the German alumni, UKI, University of Palangka Raya and also we would like to give this report to the local‟s government authority.