295 Crest St, Douglas, MI 49406 Property Records

Allegan County property record for 295 Crest St, Douglas, MI 49406

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,299 sqft · built 2002
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Jan 2021)
Tax Bill	$10,766 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`59-016-121-10`

Property Details

APN / Parcel Number

Primary APN	`59-016-121-10`
Alternative APN	`03-59-016-121-10`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,299 sqft Living Area
1st Floor Area	2,287 sqft
Basement Area	2,287 sqft
Unfinished Basement	2,287 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	150 ft deep x 130 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	295 CREST ST
City	DOUGLAS
State	MI
Zip	49406-5287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 RES PU
Legal Description	BEG 1211' N & 20' W OF SE COR TH W 140' TH N 150' TH E 124.66' TH S'LY ALG CURV TO LEFT CHORD BEARING S 13 DEG 21'31E 26.42' TH S'LY ALG CURV TO RT CHORD BEARING S 08 DEG 22'58W 74.88' TH S 49.97' TO POB SEC 16 T3N R16W (96)
Legal Range	16W
Legal Township	03N
Legal Section	16
Jurisdiction	ALLEGAN MI
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2001
Census Tract	30802

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	PO BOX 520, DOUGLAS, MI 49406-0520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 15, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 14, 2021	Warranty Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORP
Apr 25, 2019	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Book / Page	4564 / 957
Prior Transfer Date	Oct 4, 2016
Prior Transfer Doc	4092/025
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	295 CREST ST, DOUGLAS, MI 49406-5287
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 CREST ST, DOUGLAS, MI 49406-5287

Mortgage

Document Number	004877/736
Date	Aug 10, 2023
Book Page	4877/736
Instrument	2023011477

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 11, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	295 CREST ST, DOUGLAS, MI 49406-5287
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004371/444
Date	Aug 15, 2019
Book Page	4371/444

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2049

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 14, 2021
Property Address	295 CREST ST, DOUGLAS, MI 49406-5287
Document Number	4564/957
Book / Page	4564 / 957
Instrument Date	Jan 5, 2021
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,343.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	295 CREST ST, 295, DOUGLAS, MI 49406-5287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 CREST ST, DOUGLAS, MI 49406-5287

Mortgage

Document Number	004564/962
Date	Jan 14, 2021
Book Page	4564/962

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	UPLAND, CA 91786

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	11.6%
Index	Other
Max Rate	11.6%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 25, 2019
Property Address	295 CREST ST, DOUGLAS, MI 49406-5287
Document Number	004338/054
Book / Page	4338 / 054
Instrument Date	Apr 19, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,171.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	295 CREST ST, 295, DOUGLAS, MI 49406-5287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	983 LAKE ST # 9, 9, SAUGATUCK, MI 49453-9747

Mortgage

Document Number	0000433862
Date	Apr 25, 2019
Instrument	4338/62

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Douglas City
Unified School District	Saugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$371,200 (+9.82%) Land $57,000 Building $314,200	$742,400 (+9.82%) Land $114,000 Building $628,400
2025	$10,766.00 (+4.5%) Homeowner's exemption	$338,000 (+21.89%) Land $47,500 Building $290,500	$676,000 (+21.89%) Land $95,000 Building $581,000
2024	$10,302.00 (+17.29%)
2023		$277,300 Land $37,500 Building $239,800	$554,600 Land $75,000 Building $479,600
2020	$8,783.00

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
Flood Insurance Requirement	Not required lenders may require it
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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

295 Crest St, Douglas, MI 49406 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Crest St

Nearby Streets

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