245 Water St, Saugatuck, MI 49453 Property Records

Allegan County property record for 245 Water St, Saugatuck, MI 49453

Property Summary

Property Type	Restaurant
Details	1 ba · 1,510 sqft
Lot Size	0.114 acres (4,966 sqft)
Owner	Company Name on Record
Last Sale	$215,000 (Nov 1995)
Tax Bill	$11,025 (2025)
Deeds & Mortgages	Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`57-300-140-00`

Property Details

APN / Parcel Number

Primary APN	`57-300-140-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,510 sqft Total Area

Exterior

Exterior Material	Wood Siding
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	75 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	245 WATER ST
City	SAUGATUCK
State	MI
Zip	49453
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	WSE-WATER
Legal Description	W 75' OF LOT 137 ALSO THE N 15 INCHES OF W 75' OF LOT 138 KALAMAZOO PLAT SEC 9 T3N R16W (85)
Legal Range	16W
Legal Township	03N
Legal Section	09
Legal Subdivision	KALAMAZOO PLAT
Legal Lot Number	137-138
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	1
Census Block	1031
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	Company Name on Record
Mailing Address	99 E 8TH ST, 310, HOLLAND, MI 49423-3562
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 1995 · Amount on Record
Deed Sale	Nov 12, 1995 · Amount on Record
Prior Sale	Aug 1, 1991 · Amount on Record
Deed Document Number	19951
Record Updated	Sep 20, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 14, 2019
Property Address	245 WATER ST, SAUGATUCK, MI 49453
Document Number	4315/375
Book / Page	4315 / 375
Map Reference	LB 111 PG 551
Instrument Date	Dec 30, 2018
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	99 E 8TH ST # ST310, 99, HOLLAND, MI 49423-3562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 E 8TH ST STE 310, 310, HOLLAND, MI 49423-3562

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		$306,500 (+58.32%) Land $152,400 Building $154,100	$613,000 (+58.32%) Land $304,800 Building $308,200
2025	$11,025.00
2023		$193,600 Land $83,900 Building $109,700	$387,200 Land $167,800 Building $219,400

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 AE, 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

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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