648 Francis St, Saugatuck, MI 49453 Property Records

Allegan County property record for 648 Francis St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,774 sqft · built 2003
Lot Size	0.571 acres (24,873 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Jun 2021)
Tax Bill	$23,103 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jun 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`57-009-016-01`

Property Details

APN / Parcel Number

Primary APN	`57-009-016-01`
Alternative APN	`03-57-009-016-01`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,774 sqft Living Area
1st Floor Area	1,774 sqft
Basement Area	1,246 sqft
Unfinished Basement	1,246 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	24,873 sqft (0.571 acres)
Lot Dimensions	218 ft deep x 114 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 FRANCIS ST
City	SAUGATUCK
State	MI
Zip	49453-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR-COMM RE
Legal Description	COM AT CTR OF SEC TH N88DEG 28'14 E 1189.6; TH N 00DEG 42'58 W 493.56' TO POB; TH CONT N 00DEG 42'58 W 34'; TH N 88DEG 35'24 E 66.23'; TH N 00DEG 45'22 W 132.63'; N 88DEG 28'14 E 151.49; TH S 01DEG 14'32 E 144.44': TH S 88DEG 35'24 W 130.2'; TH S 00
Legal Range	16W
Legal Township	03N
Legal Section	09
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2024
Census Tract	30801

Owner

Source: Allegan County records, as of September 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	101 N CLAY ST, HINSDALE, IL 60521-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 12, 2017	Deed of Trust, Mortgage · Line of Credit MACATAWA BANK
Feb 13, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MACATAWA BANK
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Deed Document Number	202114161
Deed Book / Page	4627 / 426
Last Transfer Date	Nov 18, 2022
Transfer Doc	004819/470
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 30, 2022
Property Address	648 FRANCIS ST, SAUGATUCK, MI 49453-5105
Document Number	004819/470
Book / Page	4819 / 470
Instrument Date	Nov 18, 2022
Instrument	2022022391
Transaction Type	Transfer
Record Updated	Dec 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 FRANCIS ST, 648, SAUGATUCK, MI 49453-5105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 GRAND CASTLE BLVD SW APT E842, E842, GRANDVILLE, MI 49418-1785

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	648 FRANCIS ST, SAUGATUCK, MI 49453-5105
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004148/377
Date	Jun 12, 2017
Book Page	4148/377

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	648 FRANCIS ST, SAUGATUCK, MI 49453-5105
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004113/970
Date	Feb 13, 2017
Book Page	4113/970

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 6, 2022

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jun 3, 2021
Property Address	648 FRANCIS ST, SAUGATUCK, MI 49453-5105
Document Number	004627/426
Book / Page	4627 / 426
Instrument Date	May 20, 2021
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 FRANCIS ST, 648, SAUGATUCK, MI 49453-5105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 N MADISON ST, HINSDALE, IL 60521-3224

Mortgage

Document Number	0004627429
Date	Jun 3, 2021
Instrument	4627/429

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

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		$583,300 (+39.51%) Land $176,500 Building $406,800	$1,166,600 (+39.51%) Land $353,000 Building $813,600
2025	$23,103.00
2023		$418,100 Land $102,000 Building $316,100	$836,200 Land $204,000 Building $632,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 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

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