20 Ferry St, Douglas, MI 49406 Property Records

Allegan County property record for 20 Ferry St, Douglas, MI 49406

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,233 sqft · built 2022
Lot Size1.03 acres (45,085 sqft)
Owner2 Individual Names on File
Last Sale$175,000 (May 2021)
Tax Bill$20,809 (2025)
Deeds & MortgagesSep 2026 Mortgage
Dec 2025 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN59-017-031-30

Property Details

APN / Parcel Number

Primary APN59-017-031-30
Alternative APN
  • 03-59-017-031-30

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,233 sqft Living Area
Gross Area3,304 sqft
1st Floor Area1,954 sqft
Basement Area1,954 sqft
Unfinished Basement1,954 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Lot Area45,085 sqft (1.03 acres)
Lot Dimensions240 ft deep x 100 ft wide
Garage Area1,292 sqft
Parking Spaces5 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address20 FERRY ST
CityDOUGLAS
StateMI
Zip49406-5215
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT NE COR TH S 2256.60' TO POB TH W 333' TH S 200' TH W 117' TH S 150' TH E 240' TH N 170' TH E 210' TH N 180' TO POB EX THE N 160' THEREOF SEC 17 T3N R16W (2013).
Legal Range16W
Legal Township03N
Legal Section17
Legal SubdivisionWESTSHORE CONDOMINIUMS
JurisdictionALLEGAN MI
Township / Civil DivisionDOUGLAS
Census Block Group1
Census Block1019
Census Tract30801

Owner

20 Ferry St is owned and occupied by two individuals who acquired it in November 2024.

Source: Allegan County records, as of October 21, 2026

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 533, DOUGLAS, MI 49406-0533
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2026Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE CENTER LLC
Dec 17, 2025Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE CENTER
Nov 29, 2021Deed of Trust, Mortgage · Construction Mortgage
NORTHPOINTE BANK
May 27, 2021Warranty Deed, Transfer
PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L
Jan 3, 2019Warranty Deed, Transfer · ARM
LAKE MICHIGAN CU
Jan 3, 2019Warranty Deed, Transfer
LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 27, 2021 · Amount on File
Deed SaleMay 27, 2021 · Amount on File
Prior SaleJan 3, 2019 · Amount on File
Deed Book / Page4624 / 844
Last Transfer DateNov 12, 2024
Transfer Doc004991/809
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Recording DateSep 30, 2026
Property Address20 FERRY ST, DOUGLAS, MI 49406-5215
Document Number0000016624
Book / Page5180 / 267
Instrument DateSep 25, 2026
Instrument202616624
Transaction TypeMortgage
Record UpdatedOct 21, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 FERRY ST, DOUGLAS, MI 49406-5215

Mortgage

Document Number0000016624,
DateSep 30, 2026
Book Page5180/267
Instrument202616624
Lender
NameMORTGAGE CENTER LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.25%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address20 FERRY ST, DOUGLAS, MI 49406-5215
Transaction TypeMortgage
Record UpdatedDec 29, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 FERRY ST, DOUGLAS, MI 49406-5215

Mortgage

Document Number005096/949
DateDec 17, 2025
Book Page5096/949
Instrument2025020298
Lender
NameMORTGAGE CENTER
TypeMortgage Company
AddressSOUTHFIELD, MI 48076
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Type Change DateJan 1, 2033
Change FrequencyAnnually
Min Rate At Change3.25%
Max Rate At Change7.25%
Index1-Year CMT
Max Rate10.2%

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALLEGAN MI
Property Address20 FERRY ST, DOUGLAS, MI 49406-5215
Transaction TypeMortgage
Record UpdatedMay 3, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 FERRY ST, DOUGLAS, MI 49406

Mortgage

Document Number004701/609
DateNov 29, 2021
Book Page4701/609
Lender
NameNORTHPOINTE BANK
TypeBank
AddressGRAND RAPIDS, MI 49546
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051
Interest
Rate TypeAdjustable Rate
Rate3.87%
Min Rate At Change3.87%
Max Rate At Change5.87%
Index1-Year CMT
Max Rate8.87%

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateMay 27, 2021
Property Address20 FERRY ST, DOUGLAS, MI 49406-5215
Document Number4624/844
Book / Page4624 / 844
Instrument DateMay 21, 2021
Transaction TypeTransfer
Record UpdatedAug 3, 2021
Title CompanyPREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L

Transaction

AmountAmount on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address496 W BASSETA ST, 496, NEWAYGO, MI 49337-9778

Transferred To (Grantee/Buyer)

NameVerified Name
Address616 MYSTIC WOODS DR, HOWELL, MI 48843-6301

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateJan 3, 2019
Property Address20 FERRY ST, DOUGLAS, MI 49406-5215
Document Number004312/669
Book / Page4312 / 669
Instrument DateDec 31, 2018
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanyLIGHTHOUSE TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,001.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 986, DOUGLAS, MI 49406-0986

Transferred To (Grantee/Buyer)

NameVerified Name
Address160 SUTHERLAND DR, STANTON, MI 48888-9289

Mortgage

Document Number0004312672
DateJan 3, 2019
Instrument4312/672
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
Agreement
TypeARM
AmountAmount on Record
Term360 Months
DueJan 1, 2049
Interest
Rate TypeAdjustable Rate
Rate4.49%
Type Change DateJan 1, 2022
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change6.49%
Index1-Year LIBOR
Max Rate9.49%

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateJan 3, 2019
Property Address20 FERRY ST, DOUGLAS, MI 49406-5215
Document Number4312/666
Book / Page4312 / 666
Instrument DateDec 31, 2018
Transaction TypeTransfer
Record UpdatedAug 3, 2021
Title CompanyLIGHTHOUSE TITLE INC

Transaction

AmountAmount on Record
Tax$1,075.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 814, DOUGLAS, MI 49406-0814

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 986, DOUGLAS, MI 49406-0986

Tax Assessment & Valuation

The 2025 property tax bill for 20 Ferry St was $20,809 with a homeowner's exemption, up 5.1% from the year before.

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

Property Jurisdictions

TypeName
StateMichigan
CountyAllegan County
MunicipalityDouglas City
Unified School DistrictSaugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$662,500 (+11.64%) Land $126,300 Building $536,200$1,325,000 (+11.64%) Land $252,600 Building $1,072,400
2025$20,809.00 (+5.14%) Homeowner's exemption$593,400 Land $90,100 Building $503,300$1,186,800 Land $180,200 Building $1,006,600
2024$19,792.00
2023$470,700 Land $67,500 Building $403,200$941,400 Land $135,000 Building $806,400
2020$2,618.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Ferry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 individual policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies73 units insured
incl. 62 condo units
Nearby Flood Claims2 (2019–2020)
Most Recent ClaimApr 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

Wildfire risk around 20 Ferry St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemKALAMAZOO LAKE SEWER & WATER AUTHORITY
serves 5,000 people · EPA ID MI0003525
Water SourceGroundwater
Last State InspectionJun 2021
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNo certified operator
Jul 2025
Monitoring and ReportingNone
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 89 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable
2,000 / 250
Verizon
Fixed Wireless
300 / 20
T-Mobile
Fixed Wireless
100 / 20

May also be available: Frontier.

Nearby Properties on Ferry St

Nearby Streets

Search Property Records by Address or Parcel Number