123 North St, Saugatuck, MI 49453 Property Records

Allegan County property record for 123 North St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 950 sqft · built 1927
Lot Size	0.175 acres (7,623 sqft)
Owner	Individual Name on File
Last Sale	$523,000 (Nov 2022)
Tax Bill	$8,004 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-053-005-00`

Property Details

APN / Parcel Number

Primary APN	`57-053-005-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	950 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	52 ft deep x 147 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	123 NORTH ST
City	SAUGATUCK
State	MI
Zip	49453-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR-COMM RE
Legal Description	LOT 7 & NLY 6 FT OF LOT 6 BLOCK 3 EX COM 26 FT E OF NWLY COR LOT 7 TH W 26 FT TH SWLY ALONG W LINE LOT 7 38 FT TH NELY TO BEG
Legal Subdivision	FT TH NELY TO BEG BANDLES ADD
Legal Block	3
Legal Lot Number	6-7,38
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2034
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 670, SAUGATUCK, MI 49453-0670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 9, 2022 · Amount on Record
Deed Sale	Nov 9, 2022 · Amount on Record
Prior Sale	Dec 6, 2013 · Amount on Record
Deed Document Number	202221421
Deed Book / Page	4814 / 986
Prior Transfer Date	Sep 14, 2007
Prior Transfer Doc	003164/926
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 9, 2022
Property Address	123 NORTH ST, SAUGATUCK, MI 49453-9713
Document Number	004814/986
Book / Page	4814 / 986
Instrument Date	Oct 27, 2022
Instrument	2022021421
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 CALHOUN ST, UNION CITY, MI 49094-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 670, SAUGATUCK, MI 49453-0670

Mortgage

Document Number	00004815/1
Date	Nov 9, 2022
Book Page	4815/1
Instrument	2022021422

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

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		$343,900 (+2.56%) Land $227,600 Building $116,300	$687,800 (+2.56%) Land $455,200 Building $232,600
2025	$8,004.00 (+3.21%) Homeowner's exemption	$335,300 (+55.81%) Land $218,000 Building $117,300	$670,600 (+55.81%) Land $436,000 Building $234,600
2024	$7,755.00
2023		$215,200 Land $131,600 Building $83,600	$430,400 Land $263,200 Building $167,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% 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	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 95 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