112 Ferry St, Douglas, MI 49406 Property Records

Allegan County property record for 112 Ferry St, Douglas, MI 49406

Property Summary

Property Type	Condominium
Details	2 bd · 4.5 ba · 2,022 sqft · built 2013
Lot Size	0.548 acres (23,871 sqft)
Owner	2 Company Names on Record
Last Sale	$599,900 (Apr 2018)
Tax Bill	$10,487 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`59-830-004-01`

Property Details

APN / Parcel Number

Primary APN	`59-830-004-01`

Interior

Bedrooms	2 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,022 sqft Living Area
1st Floor Area	1,348 sqft
Basement Area	1,348 sqft
Unfinished Basement	1,348 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Condo/Apartment
Lot Area	23,871 sqft (0.548 acres)
Lot Dimensions	245 ft deep x 97.5 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	112 FERRY ST
City	DOUGLAS
State	MI
Zip	49406-5289
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-1 RES PU
Legal Description	UNIT 4 WESTSHORE CONDOMINIUM SEC 17 NE T3N R16W (2019) SPLIT/COMBINED ON 01/14/2019 FROM 59-830-004-00;
Legal Range	16W
Legal Township	03N
Legal Section	17
Legal Subdivision	WESTSHORE CONDOMINIUM
Legal Unit	4
Jurisdiction	ALLEGAN MI
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1019
Census Tract	30801

Owner

Source: Allegan County records, 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	2 Company Names on Record
Mailing Address	112 FERRY ST, DOUGLAS, MI 49406-5289
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY
Apr 2, 2018	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Prior Sale	Oct 9, 2014 · Amount on Record
Deed Book / Page	4232 / 649
Prior Transfer Date	Sep 3, 2013
Prior Transfer Doc	3776/191
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	112 FERRY ST, DOUGLAS, MI 49406-5289
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004505/570
Date	Sep 2, 2020
Book Page	4505/570

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 2, 2018
Property Address	112 FERRY ST, DOUGLAS, MI 49406-5289
Document Number	004232/649
Book / Page	4232 / 649
Instrument Date	Mar 29, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESIDORE TITLE AGE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 FERRY ST, 112, DOUGLAS, MI 49406-5289

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8317 WALLINWOOD SPRINGS DR, JENISON, MI 49428-8390

Mortgage

Document Number	0004232651
Date	Apr 2, 2018
Instrument	4232/651

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.8%
Index	1-Year LIBOR
Max Rate	8.8%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$508,900 (+11.58%) Land $105,000 Building $403,900	$1,017,800 (+11.58%) Land $210,000 Building $807,800
2025	$10,487.00 (+6.21%) Homeowner's exemption	$456,100 (+30.5%) Land $105,000 Building $351,100	$912,200 (+30.5%) Land $210,000 Building $702,200
2024	$9,874.00 (-16.9%)
2023		$349,500 Land $42,500 Building $307,000	$699,000 Land $85,000 Building $614,000
2020	$11,882.00

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 A, within 500 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 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	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 116 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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