Allegan County property record for 3038 Harbor Rd, Douglas, MI 49406
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,186 sqft · built 1976 |
| Lot Size | 16.9 acres (737,906 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $9,769 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 20-015-027-10 |
| Primary APN | 20-015-027-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,186 sqft Living Area |
| 1st Floor Area | 1,450 sqft |
| Basement Area | 1,450 sqft |
| Unfinished Basement | 1,450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Tri-Level |
| Exterior Material | Wood |
| Lot Area | 737,906 sqft (16.9 acres) |
| Lot Dimensions | 280 ft deep x 156 ft wide |
| Garage Area | 1,364 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3038 HARBOR RD |
|---|---|
| City | DOUGLAS |
| State | MI |
| Zip | 49406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | THAT PT OF GOV'T LOT 6 DES AS: COM S 1/8 PST SE 1/4 TH N 1078.88' TO POB TH N 72 DEG 15' 46 E 163.86' TH N TO CENT OF A CHANNEL TH EL'Y ALG CENT SD CHANNEL TO W EDGE KZOO RVR TH NW'LT ALG W EDGE SD RVR TO N/S 1/8 LN TH S ALG SD 1/8 LN TO POB ALSO ALS |
| Legal Range | 16W |
| Legal Township | 03N |
| Legal Section | 15 |
| Legal Subdivision | KAZOO NEWPORT SUBDIVISION |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | SAUGATUCK |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 30802 |
3038 Harbor Rd is owner-occupied and held in a trust since May 2023.
Source: Allegan County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 589, DOUGLAS, MI 49406-0589 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jun 21, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK |
| Nov 17, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Dec 11, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 17, 2023 |
| Transfer Doc | 0000011858 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 3038 HARBOR RD, DOUGLAS, MI 49406 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 004256/569 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 4256/569 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Nov 17, 2021 |
| Property Address | 3038 HARBOR RD, DOUGLAS, MI 49406 |
| Document Number | 004698/118 |
| Book / Page | 4698 / 118 |
| Instrument Date | Oct 13, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3038 HARBOR RD, DOUGLAS, MI 49406 |
| Document Number | 0004698123 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 4698/123 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Recording Date | Dec 11, 2018 |
| Property Address | 3038 HARBOR RD, DOUGLAS, MI 49406 |
| Document Number | 004307/672 |
| Book / Page | 4307 / 672 |
| Instrument Date | Dec 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3038 HARBOR, FENNVILLE, MI 49408 |
The 2025 property tax bill for 3038 Harbor Rd was $9,769 with a homeowner's exemption, up 4.7% from the year before.
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| County Subdivision | Saugatuck Township |
| Unified School District | Saugatuck Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $825,900 (+9.14%) Land $357,700 Building $468,200 | $1,651,800 (+9.14%) Land $715,400 Building $936,400 | |
| 2025 | $9,769.00 (+4.72%) Homeowner's exemption | $756,700 Land $316,900 Building $439,800 | $1,513,400 Land $633,800 Building $879,600 |
| 2024 | $9,329.00 | ||
| 2023 | $575,100 Land $220,200 Building $354,900 | $1,150,200 Land $440,400 Building $709,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3038 Harbor Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | 583.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 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 risk around 3038 Harbor Rd is low, with less than 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 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
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