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421 Water St, Saugatuck, MI 49453 Property Records

Allegan County property record for 421 Water St, Saugatuck, MI 49453

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details6 bd · 13.5 ba · 5,120 sqft · built 1920
Lot Size0.276 acres (12,023 sqft)
OwnerCompany Name on File
Last Sale$610,000 (Oct 2017)
Tax Bill$16,987 (2025)
Deeds & MortgagesOct 2017 Sale
Flood ZoneZone X (minimal risk)
APN57-300-069-00

Property Details

APN / Parcel Number

Primary APN57-300-069-00
Alternative APN
  • 03-57-300-069-00

Interior

Full Baths13.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area5,120 sqft Total Area
1st Floor Area1,326 sqft
Basement Area1,326 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialWood Siding
Lot Area12,023 sqft (0.276 acres)
Lot Dimensions132 ft deep x 91 ft wide
Garage Area480 sqft
Total Buildings3 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address421 WATER
CitySAUGATUCK
StateMI
Zip49453
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeWSE-WATER
Legal DescriptionLOT 68 EX N 27' ALSO LOT 72 KALAMAZOO PLAT SEC 9 T3N R16W (83)
Legal Range16W
Legal Township03N
Legal Section09
Legal SubdivisionKALAMAZOO
Legal Lot Number68,72
JurisdictionALLEGAN MI
Township / Civil DivisionSAUGATUCK
Census Block Group1
Census Block1033
Census Tract30801

Owner

421 Water St, a commercial property, is owned by a company that bought it in October 2017.

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

Owner of RecordCompany Name on File
Mailing Address371 W MAPLEHURST ST, FERNDALE, MI 48220-2741
Owner TypeCompany
VestingCompany

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 12, 2017 · Amount on File
Deed SaleOct 12, 2017 · Amount on File
Prior SaleApr 14, 2000 · Amount on File
Deed Document Number20174185-282
Deed Book / Page4185 / 282
Record UpdatedOct 29, 2026

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEGAN MI
Recording DateOct 12, 2017
Property Address421 WATER ST, SAUGATUCK, MI 49453
Document Number004185/282
Book / Page4185 / 282
Map ReferenceLB111 PG551
Instrument DateOct 3, 2017
Instrument4185-282
Transaction TypeTransfer
Record UpdatedAug 7, 2023
Title CompanyATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount from Assessment
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6458 135TH AVE, SAUGATUCK, MI 49453-9612

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 WATER ST, SAUGATUCK, MI 49453

Tax Assessment & Valuation

The 2025 property tax bill for 421 Water St was $16,987.

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

Property Jurisdictions

TypeName
StateMichigan
CountyAllegan County
MunicipalitySaugatuck City
Unified School DistrictSaugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$659,100 Land $369,800 Building $289,300$1,318,200 Land $739,600 Building $578,600
2025$16,987.00
2023$414,900 Land $203,600 Building $211,300$829,800 Land $407,200 Building $422,600

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

Flood

FEMA maps place 421 Water St 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 individual policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies73 units insured
incl. 62 condo units
Nearby Flood Claims2 (2019–2020)
Most Recent ClaimApr 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

Wildfire risk around 421 Water St 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 RiskLow
lower than 93% of the US · lower than 83% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemKALAMAZOO LAKE SEWER & WATER AUTHORITY
serves 5,000 people · EPA ID MI0003525
Water SourceGroundwater
Last State InspectionJun 2021
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNo certified operator
Jul 2025
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Water St

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