448 Frederick St, Saugatuck, MI 49453 Property Records

Allegan County property record for 448 Frederick St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,078 sqft · built 1979
Lot Size	0.152 acres (6,621 sqft)
Owner	Company Name on Record
Last Sale	$70,000 (Jun 2017)
Tax Bill	$5,301 (2025)
Deeds & Mortgages	Jul 2022 Sale Jul 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`57-850-004-00`

Property Details

APN / Parcel Number

Primary APN	`57-850-004-00`
Alternative APN	`03-57-850-004-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	806 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Street Address	448 FREDERICK ST
City	SAUGATUCK
State	MI
Zip	49453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P W R-1
Legal Description	LOT 15 UPHAM'S ADDITION.
Legal Subdivision	UPHAMS ADD
Legal Lot Number	15
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	1
Census Block	1010
Census Tract	30801

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Warranty Deed, Transfer
Jul 21, 2022	Intrafamily Transfer, Transfer
Jul 21, 2022	Intrafamily Transfer, Transfer
Jun 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jun 25, 2019	Intrafamily Transfer, Transfer
Jun 8, 2017	Warranty Deed, Transfer LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2017 · Amount on Record
Deed Sale	Jun 8, 2017 · Amount on Record
Prior Sale	Oct 30, 1996 · Amount on Record
Deed Book / Page	4147 / 600
Last Transfer Date	Jul 15, 2022
Transfer Doc	004781/168
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 21, 2022
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Document Number	004781/170
Book / Page	4781 / 170
Map Reference	LB 3 PG 23
Instrument Date	Jul 15, 2022
Instrument	2022014378
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6419 PALMETTO CT, 6419, SAUGATUCK, MI 49453-9453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Jul 21, 2022
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Document Number	004781/166
Book / Page	4781 / 166
Map Reference	LB 03 PG 23
Instrument Date	Jul 15, 2022
Instrument	2022014376
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Jul 21, 2022
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Document Number	004781/168
Book / Page	4781 / 168
Map Reference	LB 3 PG 23
Instrument Date	Jul 15, 2022
Instrument	2022014377
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004255/032
Date	Jun 15, 2018
Book Page	4255/032

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	May 21, 2020
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Document Number	004464/681
Book / Page	4464 / 681
Map Reference	LB 3 PG 23
Instrument Date	May 14, 2020
Transaction Type	Transfer
Record Updated	Jul 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453

Mortgage

Document Number	0004464684
Date	May 21, 2020
Instrument	4464/684

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Jun 25, 2019
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Document Number	004355/827
Book / Page	4355 / 827
Map Reference	LB 3 PG 23
Instrument Date	Jun 19, 2019
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 8, 2017
Property Address	448 FREDERICK ST, SAUGATUCK, MI 49453
Document Number	004147/600
Book / Page	4147 / 600
Map Reference	LB3 PG23
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28W535 PURNELL RD, 28W535, WEST CHICAGO, IL 60185-4218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6419 PALMETTO CT, SAUGATUCK, MI 49453-9453

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		$185,500 (+4.27%) Land $44,200 Building $141,300	$371,000 (+4.27%) Land $88,400 Building $282,600
2025	$5,301.00 (+3.21%)	$177,900 (+17.74%) Land $43,600 Building $134,300	$355,800 (+17.74%) Land $87,200 Building $268,600
2024	$5,136.00
2023		$151,100 Land $40,600 Building $110,500	$302,200 Land $81,200 Building $221,000

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
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.

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	Direct 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 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 149 locations within half a mile, as of December 31, 2025

Provider	Max 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

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