236 Culver St, Saugatuck, MI 49453 Property Records

Allegan County property record for 236 Culver St, Saugatuck, MI 49453

Property Summary

Property Type	Commercial
Details	1 ba · 3,259 sqft · built 1950
Lot Size	0.096 acres (4,182 sqft)
Owner	Company Name on File
Last Sale	$715,000 (Oct 2018)
Tax Bill	$18,631 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`57-300-190-00`

Property Details

APN / Parcel Number

Primary APN	`57-300-190-00`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	3,259 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood
Lot Area	4,182 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	236 CULVER ST
City	SAUGATUCK
State	MI
Zip	49453
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	E 1/2 OF LOT 185 ALSO W 2 FT OF LOT 186 EX E 1 FT OF W 2 FT OF N 12 FT OF LOT 186 KALAMAZOO PLAT.
Legal Subdivision	KALAMAZOO
Legal Lot Number	185-186
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	1
Census Block	1029
Census Tract	30801

Owner

236 Culver St, a commercial property, is owned by a company that bought it in October 2018.

Source: Allegan County records, as of June 25, 2026

Owner of Record	Company Name on File
Mailing Address	3385 BLUE STAR HWY, SAUGATUCK, MI 49453-9724
Owner Type	Company
Vesting	Company

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

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Line of Credit GRAND RIVER BANK
Oct 9, 2018	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NATL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2018 · Amount on File
Deed Sale	Oct 9, 2018 · Amount on File
Prior Sale	Oct 28, 2016 · Amount on File
Deed Book / Page	4289 / 394
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	236 CULVER ST, SAUGATUCK, MI 49453
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004401/167
Date	Nov 12, 2019
Book Page	4401/167

Lender

Name	GRAND RIVER BANK
Type	Bank
Address	GRANDVILLE, MI 49418

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Oct 9, 2018
Property Address	236 CULVER ST, SAUGATUCK, MI 49453
Document Number	004289/394
Book / Page	4289 / 394
Map Reference	LB11 PG551
Instrument Date	Oct 2, 2018
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$6,149.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3438 RIVERSIDE DR, SAUGATUCK, MI 49453-9787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 RANDOLPH ST, DOUGLAS, MI 49406-5115

Tax Assessment & Valuation

The 2025 property tax bill for 236 Culver St was $18,631.

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		$428,900 Land $128,700 Building $300,200	$857,800 Land $257,400 Building $600,400
2025	$18,631.00
2023		$290,100 Land $70,900 Building $219,200	$580,200 Land $141,800 Building $438,400

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

FEMA maps place 236 Culver 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 236 Culver 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 Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 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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