Allegan County property record for 816 State St, Saugatuck, MI 49453
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,152 sqft · built 1949 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $262,000 (Oct 2005) |
| Tax Bill | $3,271 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 57-514-037-00 |
| Primary APN | 57-514-037-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Wood Siding |
| Lot Area | 8,668 sqft (0.199 acres) |
| Lot Dimensions | 74 ft deep x 117 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 816 STATE ST |
|---|---|
| City | SAUGATUCK |
| State | MI |
| Zip | 49453-9646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR-COMM RE |
| Legal Description | PT OF LOT 3 BLOCK 4 COM AT SW COR LOT 2 TH N 17 DEG 37' W 74.22 FT TH S 71 DEG 14' W 51.29 FT TH S 43 DEG 44' W 47.45 FT TH S 15 DEG 45' W 43.81 FT TH S 17 DEG 37' E 13.81 FT TH N 72 DEG 23' E 117 FT TO BEG BLOCK 4 MORRISON & DENSMORE'S ADDITION. |
| Legal Subdivision | MORRISON&DENSMORES ADD |
| Legal Block | 4 |
| Legal Lot Number | 2-3 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | SAUGATUCK |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 30801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 971, SAUGATUCK, MI 49453-0971 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Aug 6, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2005 · Amount on Record |
| Deed Sale | Oct 3, 2005 · Amount on Record |
| Deed Book / Page | 2897 / 496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 816 STATE ST, SAUGATUCK, MI 49453-9646 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004809/147 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 4809/147 |
| Instrument | 2022020293 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 3, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 816 STATE ST, SAUGATUCK, MI 49453-9646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004269/904 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 4269/904 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | MIDLAND, MI 48641 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Allegan County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Allegan County |
| Municipality | Saugatuck City |
| Unified School District | Saugatuck Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $349,900 (+69.03%) Land $163,100 Building $186,800 | $699,800 (+69.03%) Land $326,200 Building $373,600 | |
| 2025 | $3,271.00 | ||
| 2023 | $207,000 Land $94,200 Building $112,800 | $414,000 Land $188,400 Building $225,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 214 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 |
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