3489 Riverside Dr, Saugatuck, MI 49453 Property Records

Allegan County property record for 3489 Riverside Dr, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,672 sqft
Lot Size	0.568 acres (24,742 sqft)
Owner	Company Name on File
Last Sale	$164,900 (Nov 2020)
Tax Bill	$13,553 (2025)
Deeds & Mortgages	Nov 2022 Transfer Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-004-021-00`

Property Details

APN / Parcel Number

Primary APN	`20-004-021-00`
Alternative APN	`03-20-004-021-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,672 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Lot Area	24,742 sqft (0.568 acres)
Lot Dimensions	150 ft deep x 165 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3489 RIVERSIDE DR
City	SAUGATUCK
State	MI
Zip	49453-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COM AT A PT 165 FT S OF E & W 1/4 LIN ON THE E LIN OF RIVERSIDE DR OF THE PLAT OF RIVERSIDE HEIGHTS TH E 150 FT TH S 165 FT TH W 150 FT TH N 165 FT TO POB SEC 4 T3N R16W. (70).
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

3489 Riverside Dr is owned by a company that acquired it in November 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	466 E 16TH ST, HOLLAND, MI 49423-3742
Occupancy	Owner Occupied
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 18, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit WEST MICHIGAN COMMUNITY BANK
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Sep 23, 2010 · Amount on File
Deed Book / Page	4539 / 17
Last Transfer Date	Nov 14, 2022
Transfer Doc	004817/422
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 18, 2022
Property Address	3489 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Document Number	004817/422
Book / Page	4817 / 422
Instrument Date	Nov 14, 2022
Instrument	2022021943
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3490 RIVERSIDE DR, 3490, SAUGATUCK, MI 49453-9787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	466 E 16TH ST, HOLLAND, MI 49423-3742

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3489 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 OTTAWA BEACH RD, HOLLAND, MI 49424-2541

Mortgage

Document Number	004786/526
Date	Aug 8, 2022
Book Page	4786/526
Instrument	2022015479

Lender

Name	WEST MICHIGAN COMMUNITY BANK
Type	Bank
Address	HUDSONVILLE, MI 49426

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3489 RIVERSIDE DR, SAUGATUCK, MI 49453-9787
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3489 RIVERSIDE DR, SAUGATUCK, MI 49453-9787

Mortgage

Document Number	004770/497
Date	Jun 13, 2022
Book Page	4770/497
Instrument	2022012145

Lender

Name	MERCANTILE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Margin	3
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3489 Riverside Dr was $13,553 with a homeowner's exemption.

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		$365,300 Land $85,000 Building $280,300	$730,600 Land $170,000 Building $560,600
2025	$13,553.00
2023		$270,800 Land $76,300 Building $194,500	$541,600 Land $152,600 Building $389,000

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

Flood

FEMA maps place 3489 Riverside Dr 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
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 3489 Riverside Dr 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
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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