646 Francis St, Saugatuck, MI 49453 Property Records

Allegan County property record for 646 Francis St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,910 sqft
Lot Size	1.25 acres (54,755 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2023)
Tax Bill	$9,590 (2025)
Deeds & Mortgages	Oct 2024 Construction Loan Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`57-009-016-15`

Property Details

APN / Parcel Number

Primary APN	`57-009-016-15`
Alternative APN	`03-57-009-016-15`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,910 sqft Living Area
1st Floor Area	1,910 sqft
Basement Area	1,405 sqft
Unfinished Basement	1,405 sqft

Exterior

Lot Area	54,755 sqft (1.25 acres)
Lot Dimensions	445 ft deep x 123 ft wide
Garage Area	330 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	646 FRANCIS ST
City	SAUGATUCK
State	MI
Zip	49453-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OT THE NORTHEAST 1/4 OF SECTION 9, TOWN 3 NORTH, RANGE 16 WEST, CITY OF SAUGATUCK, ALLEGAN COUNTY, MICHIGAN, DESRIBED AS: COM AT THE CENTER OF SAID SECTION; THENCE N 88 DEG 28' 14 E 1189.60 FEET ALONG THE EAST-WEST1/4 LINE OF SAID SECTION TO THE
Legal Range	16W
Legal Township	03N
Legal Section	09
Legal Subdivision	OF MORRISONS ADD
Legal Block	4
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2024
Census Tract	30801

Owner

Source: Allegan County records, as of October 20, 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	646 FRANCIS ST, SAUGATUCK, MI 49453-5105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2024	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jun 15, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	202312794
Deed Book / Page	4883 / 674
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	646 FRANCIS ST, SAUGATUCK, MI 49453-5105
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E MCNEIL RD, ROUND ROCK, TX 78664-2559

Mortgage

Document Number	004984/215
Date	Oct 23, 2024
Book Page	4984/215
Instrument	2024015832

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	1-Year T-Bill
Max Rate	11.1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 6, 2023
Property Address	646 FRANCIS ST, SAUGATUCK, MI 49453-5105
Document Number	004883/674
Book / Page	4883 / 674
Instrument Date	Aug 28, 2023
Instrument	2023012794
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,062.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6290 E BAY LN, RICHLAND, MI 49083-8709

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1400 SWEET WILLIAM LN, PFLUGERVILLE, TX 78660-4109

Mortgage

Document Number	2023012795
Date	Sep 6, 2023
Instrument	2023012795

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	12.1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 15, 2021
Property Address	646 FRANCIS ST, SAUGATUCK, MI 49453-5105
Document Number	004632/428
Book / Page	4632 / 428
Instrument Date	Jun 11, 2021
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Tax	$1,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2655 GRAND CASTLE BLVD SW # SWE842, SWE842, GRANDVILLE, MI 49418-1475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6290 E BAY LN, RICHLAND, MI 49083-8709

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		$689,900 (+526.61%) Land $190,500 Building $499,400	$1,379,800 (+526.61%) Land $381,000 Building $998,800
2025	$9,590.00
2023		$110,100 Land $110,100	$220,200 Land $220,200

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

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 A, within 100 ft
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 Francis St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures