109 Park St, Saugatuck, MI 49453 Property Records

Allegan County property record for 109 Park St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,298 sqft · built 1989
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Feb 2015)
Tax Bill	$20,095 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-009-079-20`

Property Details

APN / Parcel Number

Primary APN	`57-009-079-20`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,298 sqft Living Area
1st Floor Area	1,406 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	290 ft deep x 75.8 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 PARK ST
City	SAUGATUCK
State	MI
Zip	49453-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P S R -1
Legal Description	COM 660.74' N OF SW COR SW 1/4 ALG W LIN TH N 27 DEG E 304.92' TH N 38 DEG 30'E 616.17' TO POB TH N 38 DEG 30'E 35.22' ALG
Legal Range	16W
Legal Township	03N
Legal Section	09
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	1
Census Block	1014
Census Tract	30801

Owner

Source: Allegan County assessment roll, as of June 25, 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 File
Mailing Address	PO BOX 605, SAUGATUCK, MI 49453-0605
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit MACATAWA BANK
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 17, 2015 · Amount on Record
Deed Sale	Feb 17, 2015 · Amount on Record
Deed Book / Page	3903 / 768
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	109 PARK ST, SAUGATUCK, MI 49453-9600
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004721/53
Date	Jan 18, 2022
Book Page	4721/53
Instrument	2022001375

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	109 PARK ST, SAUGATUCK, MI 49453-9600
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PARK ST, SAUGATUCK, MI 49453-9600

Mortgage

Document Number	4693/23
Date	Nov 4, 2021
Book Page	4693/23

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Saugatuck City
Unified School District	Saugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$677,700 (+29.33%) Land $352,000 Building $325,700	$1,355,400 (+29.33%) Land $704,000 Building $651,400
2025	$20,095.00
2023		$524,000 Land $288,200 Building $235,800	$1,048,000 Land $576,400 Building $471,600

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 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	73 units insured incl. 62 condo units
Nearby Flood Claims	2 (2019–2020)
Most Recent Claim	Apr 2020 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KALAMAZOO LAKE SEWER & WATER AUTHORITY serves 5,000 people · EPA ID MI0003525
Water Source	Groundwater
Last State Inspection	Jun 2021
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jul 2025
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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