3470 Riverside Dr, Saugatuck, MI 49453 Property Records

Allegan County property record for 3470 Riverside Dr, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,390 sqft · built 2006
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$182,000 (Jan 2021)
Tax Bill	$68,732 (2025)
Deeds & Mortgages	May 2023 Sale Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-320-012-00`

Property Details

APN / Parcel Number

Primary APN	`20-320-012-00`
Alternative APN	`03-20-320-012-00`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,390 sqft Living Area
1st Floor Area	1,132 sqft
Basement Area	1,132 sqft
Unfinished Basement	1,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Other
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	240 ft deep x 104 ft wide
Garage Area	1,104 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3470 RIVERSIDE DR
City	SAUGATUCK
State	MI
Zip	49453-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 12 AND S 19 FT LOT 11 ALSO THAT PT LOT 25 COM AT A PT WHERE S LINE LOT 12 EXTENDED INTERSECTS WITH E SIDE OF RIVERSIDE DR. TH E 25 FT TH N TO A PT DUE E OF N LINE OF SD S 19 FT LOT 11 TH W TO E SIDE OF RIVERSIDE DR. TH SWLY ALONG E SIDE OF RIVERS
Legal Range	16W
Legal Township	03N
Legal Section	04
Legal Subdivision	RIVERSIDE HEIGHTS
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2015
Census Tract	30801

Owner

3470 Riverside Dr is owned and occupied by two individuals who bought it in January 2021.

Source: Allegan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Occupancy	Owner Occupied
Owner Type	Individual

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
May 11, 2023	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 12, 2021	Warranty Deed, Transfer PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L
Nov 3, 2020	Deed of Trust, Mortgage CHANDRA LYNN AALDERINK
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on File
Deed Sale	Jan 12, 2021 · Amount on File
Prior Sale	Nov 3, 2015 · Amount on File
Deed Book / Page	4563 / 376
Prior Transfer Date	Mar 1, 2012
Prior Transfer Doc	3596/779
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 11, 2023
Property Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Document Number	004855/537
Book / Page	4855 / 537
Instrument Date	May 3, 2023
Instrument	2023006814
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 BROADWAY AVE NW, GRAND RAPIDS, MI 49504-4462

Mortgage

Document Number	4685/33
Date	Oct 19, 2021
Book Page	4685/33

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	BRYANT POND, ME 4219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2036
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	7.25%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 12, 2021
Property Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Document Number	4563/376
Book / Page	4563 / 376
Map Reference	LB 2 PG 63
Instrument Date	Dec 15, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L

Transaction

Amount	Amount on Record
Tax	$1,565.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 W MELROSE ST # ST104, 451, CHICAGO, IL 60657-3852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Transaction Type	Mortgage
Record Updated	Nov 16, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4532/659
Date	Nov 3, 2020
Book Page	4532/659

Lender

Name	CHANDRA LYNN AALDERINK
Type	Private Party
Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453

Agreement

Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3470 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Transaction Type	Mortgage
Record Updated	Nov 6, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4395/821
Date	Oct 28, 2019
Book Page	4395/821

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3470 Riverside Dr was $68,732 with a homeowner's exemption, up 4.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Saugatuck Township
Unified School District	Saugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,506,600 (+3.65%) Land $655,200 Building $851,400	$3,013,200 (+3.65%) Land $1,310,400 Building $1,702,800
2025	$68,732.00 (+4.12%) Homeowner's exemption	$1,453,600 Land $608,400 Building $845,200	$2,907,200 Land $1,216,800 Building $1,690,400
2024	$66,011.00
2023		$1,120,600 Land $498,400 Building $622,200	$2,241,200 Land $996,800 Building $1,244,400

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

Flood

FEMA maps place 3470 Riverside Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
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

Wildfire risk around 3470 Riverside Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 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

Cell Coverage

5G and 4G LTE (outdoors only)

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