489 Union St, Douglas, MI 49406 Property Records

Allegan County property record for 489 Union St, Douglas, MI 49406

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,754 sqft · built 2022
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Jul 2026)
Tax Bill	$15,732 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2026 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`59-016-088-01`

Property Details

APN / Parcel Number

Primary APN	`59-016-088-01`
Alternative APN	`03-59-016-088-01`

Interior

Full Baths	3 Baths
Building Area	1,754 sqft Living Area
1st Floor Area	1,754 sqft
Basement Area	1,754 sqft
Unfinished Basement	1,754 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	180 ft deep x 250 ft wide
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	489 UNION ST
City	DOUGLAS
State	MI
Zip	49406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM S 1/4 COR TH W 656.9' TO POB; TH CONT W 123.5'; TH N 00DEG 02'00 E 180'; TH E 123.5'; TH S 00DEG 02'00 W 180' TO POB SEC 16 T3N R16W SURVEY: 0.51 AC (2023) SPLIT/COMBINED ON 06/21/2022 FROM 59-016-088-00;
Legal Range	16W
Legal Township	03N
Legal Section	16
Jurisdiction	ALLEGAN MI
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2042
Census Tract	30802

Owner

489 Union St is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	736 W MELROSE ST, 2W, CHICAGO, IL 60657-7606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 2, 2026	Deed of Trust, Mortgage · Construction Mortgage CROSSCOUNTRY MORTGAGE
Nov 3, 2023	Warranty Deed, Transfer ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC
Nov 3, 2023	Quit Claim Deed, Transfer ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit BAUMANN BUILDING INC
Dec 9, 2022	Correction Deed ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC
Dec 9, 2022	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Nov 3, 2023 · Amount on File
Deed Document Number	202611905
Deed Book / Page	5156 / 519
Prior Transfer Date	Oct 20, 2023
Prior Transfer Doc	004899/948
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 16, 2026
Property Address	489 UNION ST, DOUGLAS, MI 49406
Document Number	0000011905
Book / Page	5156 / 519
Instrument Date	Jul 15, 2026
Instrument	202611905
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$868,600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 W MELROSE ST, 2W, CHICAGO, IL 60657-7606

Mortgage

Document Number	0000011977,
Date	Jul 16, 2026
Book Page	5156/885
Instrument	202611977

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	Apr 2, 2026
Property Address	489 UNION ST, DOUGLAS, MI 49406
Document Number	005124/977
Book / Page	5124 / 977
Instrument Date	Mar 26, 2026
Instrument	20265485
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	489 UNION ST, DOUGLAS, MI 49406

Mortgage

Document Number	0000005485,
Date	Apr 2, 2026
Book Page	5124/977
Instrument	20265485

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	4 Months
Due	Aug 1, 2026

Interest

Rate	5.98%
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 3, 2023
Property Address	489 UNION ST, DOUGLAS, MI 49406-5107
Document Number	004899/950
Book / Page	4899 / 950
Instrument Date	Oct 20, 2023
Instrument	2023016267
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$5,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5563 134TH AVE, SAUGATUCK, MI 49453

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2554 CATTLE KATE CIR, STEAMBOAT SPRINGS, CO 80487-1769

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 3, 2023
Property Address	489 UNION ST, DOUGLAS, MI 49406-5107
Document Number	004899/948
Book / Page	4899 / 948
Instrument Date	Oct 20, 2023
Instrument	2023016266
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 HARWOOD CT, OXFORD, MI 48371-4427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 HARWOOD CT, OXFORD, MI 48371-4427

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	489 UNION ST, DOUGLAS, MI 49406-5107
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004825/905
Date	Dec 27, 2022
Book Page	4825/905
Instrument	2022023829

Lender

Name	BAUMANN BUILDING INC
Type	Non-Lending Institution
Address	HOLLAND, MI 49424

Agreement

Type	Line of Credit

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 9, 2022
Property Address	489 UNION ST, DOUGLAS, MI 49406-5107
Document Number	004822/355
Book / Page	4822 / 355
Instrument Date	Dec 8, 2022
Instrument	2022023005
Record Updated	Aug 11, 2023
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 386, DOUGLAS, MI 49406-0386

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6563 134TH AVE, SAUGATUCK, MI 49453-9657

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 9, 2022
Property Address	489 UNION ST, DOUGLAS, MI 49406-5107
Document Number	004822/358
Book / Page	4822 / 358
Instrument Date	Aug 31, 2022
Instrument	2022023006
Record Updated	Aug 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6563 134TH AVE, SAUGATUCK, MI 49453-9657

Tax Assessment & Valuation

The 2025 property tax bill for 489 Union St was $15,732 with a homeowner's exemption, up 4.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$353,500 (-8.75%) Land $50,000 Building $303,500	$707,000 (-8.75%) Land $100,000 Building $607,000
2025	$15,732.00 (+4.51%) Homeowner's exemption	$387,400 Land $40,000 Building $347,400	$774,800 Land $80,000 Building $694,800
2024	$15,053.00
2023		$188,600 Land $37,500 Building $151,100	$377,200 Land $75,000 Building $302,200

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

Flood

FEMA maps place 489 Union St in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 489 Union St is low, with a 0.01% annual chance of 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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