423 Grand St, Saugatuck, MI 49453 Property Records

Allegan County property record for 423 Grand St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,930 sqft
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Tax Bill	$25,762 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`57-009-020-02`

Property Details

APN / Parcel Number

Primary APN	`57-009-020-02`
Alternative APN	`03-57-009-020-02`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,930 sqft Living Area
1st Floor Area	1,654 sqft

Exterior

Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	199 ft deep x 60 ft wide
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	423 GRAND ST
City	SAUGATUCK
State	MI
Zip	49453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT CENT 1/4 COR TH S 89DEG 55'30 E 661.67' TO E ROW LN GRAND ST; TH N 00DEG 10'47' E 0.17' TO NW COR LOT 84 KALAMAZOO PLAT & POB; TH CONT N 00DEG 10'47 E 66'; TH N 90DEG 00'00 E 24.79'; TH S 00DEG 00'00 E 7.4'; TH S84DEG 19'02 E 57'; TH N 90DEG 0
Legal Range	16W
Legal Township	03N
Legal Section	09
Legal Subdivision	MORRISONS ADD
Legal Lot Number	21,84
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2025
Census Tract	30801

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	Individual Name on Record
Mailing Address	1050 DAVIS AVE, BIRMINGHAM, MI 48009-2071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage MACATAWA BANK
Jan 5, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	423 GRAND ST, SAUGATUCK, MI 49453
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 DAVIS AVE, BIRMINGHAM, MI 48009-2071

Mortgage

Document Number	004904/307
Date	Nov 27, 2023
Book Page	4904/307
Instrument	2023017214

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Max Rate	11.7%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 5, 2022
Property Address	423 GRAND ST, SAUGATUCK, MI 49453
Document Number	004716/101
Book / Page	4716 / 101
Instrument Date	Dec 27, 2021
Instrument	2022000341
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$1,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 175, SAUGATUCK, MI 49453-0175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 DAVIS AVE, BIRMINGHAM, MI 48009-2071

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$498,200 (+815.81%) Land $92,900 Building $405,300	$996,400 (+815.81%) Land $185,800 Building $810,600
2025	$25,762.00
2023		$54,400 Land $53,700 Building $700	$108,800 Land $107,400 Building $1,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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