433 Grand St, Saugatuck, MI 49453 Property Records

Allegan County property record for 433 Grand St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,233 sqft · built 1865
Lot Size	0.328 acres (14,288 sqft)
Owner	Individual Name on Record
Tax Bill	$1,507 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-009-020-01`

Property Details

APN / Parcel Number

Primary APN	`57-009-020-01`
Alternative APNs	`03-57-009-020-01` `57-009-020-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,233 sqft Living Area
1st Floor Area	1,233 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Foundation Type	No Foundation
Lot Area	14,288 sqft (0.328 acres)
Lot Dimensions	201 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	433 GRAND ST
City	SAUGATUCK
State	MI
Zip	49453-9629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR-COMM RE
Legal Description	COM AT NW COR LOT 84 KALAMAZOO PLAT TH N 132 FT TH E 198 FT TH S 132 FT TH W 198 FT TO BEG; EX 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
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	PO BOX 175, SAUGATUCK, MI 49453-0175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Feb 9, 2018
Property Address	433 GRAND ST, SAUGATUCK, MI 49453-9629
Document Number	004220/534
Book / Page	4220 / 534
Instrument Date	Feb 7, 2018
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6530 CREEKWOOD CT, 6530, HOLLAND, MI 49423-8885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 GRAND ST, SAUGATUCK, MI 49453-9629

Mortgage

Document Number	0004220537
Date	Feb 9, 2018
Instrument	4220/537

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.36%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.36%
Index	1-Year LIBOR
Max Rate	8.36%

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		$244,000 (+85.55%) Land $102,200 Building $141,800	$488,000 (+85.55%) Land $204,400 Building $283,600
2025	$1,507.00
2023		$131,500 Land $59,100 Building $72,400	$263,000 Land $118,200 Building $144,800

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

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

Nearby Properties on Grand St

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