6453 Otis Rd, Saugatuck, MI 49453 Property Records

Allegan County property record for 6453 Otis Rd, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,810 sqft · built 1998
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on File
Last Sale	$1,010,000 (Sep 2023)
Tax Bill	$13,384 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-280-004-00`

Property Details

APN / Parcel Number

Primary APN	`11-280-004-00`
Alternative APN	`03-11-280-004-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,810 sqft Living Area
1st Floor Area	1,519 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6453 OTIS RD
City	SAUGATUCK
State	MI
Zip	49453-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 4 LAKE VILLA PLAT SEC 34 T4N R16W.
Legal Range	16W
Legal Township	04N
Legal Section	34
Legal Subdivision	LAKE VILLA
Legal Lot Number	4
Jurisdiction	ALLEGAN MI
Township / Civil Division	LAKETOWN
Census Block Group	3
Census Block	3018
Census Tract	32402

Owner

6453 Otis Rd is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	6453 OTIS RD, SAUGATUCK, MI 49453-9774
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 14, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	Apr 7, 2005 · Amount on File
Deed Document Number	202313410
Deed Book / Page	4886 / 664
Prior Transfer Date	Sep 8, 2023
Prior Transfer Doc	004886/664
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6453 OTIS RD, SAUGATUCK, MI 49453-9774
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6453 OTIS RD, SAUGATUCK, MI 49453-9774
Investor	Possibly a Property Investor

Mortgage

Document Number	005101/336
Date	Jan 6, 2026
Book Page	5101/336
Instrument	2026000199

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.92%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.9%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.9%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 14, 2023
Property Address	6453 OTIS RD, SAUGATUCK, MI 49453-9774
Document Number	004886/664
Book / Page	4886 / 664
Map Reference	LB 4 PG 37
Instrument Date	Sep 8, 2023
Instrument	2023013410
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	502 LENA DR, SOUTH HAVEN, MI 49090-9104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6453 OTIS RD, SAUGATUCK, MI 49453-9774

Mortgage

Document Number	2023013411
Date	Sep 14, 2023
Instrument	2023013411

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Margin	3
Max Rate	11.3%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6453 OTIS RD, SAUGATUCK, MI 49453-9774
Transaction Type	Mortgage
Record Updated	Jul 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4637/556
Date	Jun 25, 2021
Book Page	4637/556

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 6453 Otis Rd was $13,384 with a homeowner's exemption, up 3.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Laketown Township
Unified School District	Saugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$505,100 (+2.45%) Land $166,000 Building $339,100	$1,010,200 (+2.45%) Land $332,000 Building $678,200
2025	$13,384.00 (+3.81%) Homeowner's exemption	$493,000 Land $161,200 Building $331,800	$986,000 Land $322,400 Building $663,600
2024	$12,893.00
2023		$327,600 Land $79,100 Building $248,500	$655,200 Land $158,200 Building $497,000
2022	$10,796.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 6453 Otis Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 6453 Otis Rd is low, with less than 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: 123.NET, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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