Allegan County property record for 446 Culver St, Saugatuck, MI 49453
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,546 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Oct 2015) |
| Tax Bill | $9,824 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 57-300-197-00 |
| Primary APN | 57-300-197-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,546 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 640 sqft |
| Unfinished Basement | 640 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Other |
| Foundation Type | Raised |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 328 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 446 CULVER ST |
|---|---|
| City | SAUGATUCK |
| State | MI |
| Zip | 49453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LS-LAKE ST |
| Legal Description | LOT 193 KALAMAZOO PLAT. |
| Legal Subdivision | KALAMAZOO PLAT |
| Legal Lot Number | 193 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | SAUGATUCK |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 30801 |
Source: Allegan County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6326 N SEYMOUR RD, FLUSHING, MI 48433-1086 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2015 · Amount on Record |
| Deed Sale | Oct 8, 2015 · Amount on Record |
| Deed Book / Page | 3970 / 218 |
| Last Transfer Date | May 13, 2025 |
| Transfer Doc | 005033/456 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 446 CULVER ST, SAUGATUCK, MI 49453 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4279/421 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 4279/421 |
| Name | THE STATE BANK |
|---|---|
| Type | Bank |
| Address | FENTON, MI 48430 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Saugatuck City |
| Unified School District | Saugatuck Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $335,400 (+0.33%) Land $102,200 Building $233,200 | $670,800 (+0.33%) Land $204,400 Building $466,400 | |
| 2025 | $9,824.00 (+3.19%) | $334,300 (+97.46%) Land $97,900 Building $236,400 | $668,600 (+97.46%) Land $195,800 Building $472,800 |
| 2024 | $9,520.00 | ||
| 2023 | $169,300 Land $59,100 Building $110,200 | $338,600 Land $118,200 Building $220,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 11 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 73 units insured incl. 62 condo units |
| Nearby Flood Claims | 2 (2019–2020) |
| Most Recent Claim | Apr 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 214 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 |
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