191 S Maple St, Saugatuck, MI 49453 Property Records

Allegan County property record for 191 S Maple St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,300 sqft · built 1900
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,000 (Jan 2023)
Tax Bill	$10,842 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-010-048-00`

Property Details

APN / Parcel Number

Primary APN	`20-010-048-00`
Alternative APN	`03-20-010-048-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,300 sqft Living Area
1st Floor Area	828 sqft
Basement Area	630 sqft
Unfinished Basement	630 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	21,344 sqft (0.49 acres)
Lot Width	83 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	191 S MAPLE ST
City	SAUGATUCK
State	MI
Zip	49453-9795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM 1535' S OF W 1/4 PST TH E 283' TH S 60' TH W 83' TH S 25' TH W 200' TH N 85' TO POB SEC 10 T3N R16W (80).
Legal Range	16W
Legal Township	03N
Legal Section	10
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2036
Census Tract	30801

Owner

Source: Allegan County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	191 S MAPLE ST, SAUGATUCK, MI 49453-9795
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Warranty Deed, Transfer · Second Mortgage (Down Payment) DFCU FINANCIAL
Apr 19, 2017	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	2023145
Deed Book / Page	4827 / 418
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 4, 2023
Property Address	191 S MAPLE ST, SAUGATUCK, MI 49453-9795
Document Number	004827/418
Book / Page	4827 / 418
Instrument Date	Dec 23, 2022
Instrument	2023000145
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,742.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1833 E CRABTREE DR, ARLINGTON HEIGHTS, IL 60004-3409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4261 LILAC LN, YPSILANTI, MI 48197-4682

Mortgage

Document Number	0004827422
Date	Jan 4, 2023
Instrument	4827-422

Lender

Name	DFCU FINANCIAL
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	5-Year CMT
Margin	3
Max Rate	11.3%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 19, 2017
Property Address	191 S MAPLE ST, SAUGATUCK, MI 49453-9795
Document Number	4131/589
Book / Page	4131 / 589
Instrument Date	Apr 13, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE MICHIGAN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,502.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 872, DOUGLAS, MI 49406-0872

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SOUTH PKWY, PROSPECT HEIGHTS, IL 60070-1348

Mortgage

Document Number	4131/591
Date	Apr 19, 2017
Book Page	4131/591

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$242,700 (+10.07%) Land $101,700 Building $141,000	$485,400 (+10.07%) Land $203,400 Building $282,000
2025	$10,842.00
2023		$220,500 Land $83,000 Building $137,500	$441,000 Land $166,000 Building $275,000

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
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	None beyond ember reach

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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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