823 Mason St, Saugatuck, MI 49453 Property Records

Allegan County property record for 823 Mason St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,165 sqft · built 2020
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Dec 2019)
Tax Bill	$20,633 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`57-350-019-01`

Property Details

APN / Parcel Number

Primary APN	`57-350-019-01`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,165 sqft Living Area
1st Floor Area	1,491 sqft
Basement Area	1,491 sqft
Unfinished Basement	1,491 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 99 ft wide
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	823 MASON ST
City	SAUGATUCK
State	MI
Zip	49453-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR-COMM RE
Legal Description	LOT 19 & N 1/2 20 LELAND'S ADDITION (2010) SLPIT FOR 2018
Legal Range	16W
Legal Township	03N
Legal Section	09
Legal Subdivision	LELANDS ADD
Legal Lot Number	19
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2044
Census Tract	30801

Owner

823 Mason St is owned by a company that acquired it in June 2024 and is owner-occupied.

Source: Allegan County records, as of June 25, 2026

Owner of Record	Company Name on File
Mailing Address	823 MASON ST, SAUGATUCK, MI 49453-9639
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

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
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Jul 20, 2020	Deed of Trust, Mortgage · Construction Mortgage CEN-TEX CERTIFIED DEV CORP
Dec 5, 2019	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2019 · Amount on File
Deed Sale	Dec 5, 2019 · Amount on File
Deed Book / Page	4409 / 448
Last Transfer Date	Jun 4, 2024
Transfer Doc	004947/749
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	823 MASON ST, SAUGATUCK, MI 49453-9639
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 MASON ST, SAUGATUCK, MI 49453-9639

Mortgage

Document Number	004901/467
Date	Nov 13, 2023
Book Page	4901/467
Instrument	2023016587

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	TECUMSEH, MI 49286

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Aug 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	823 MASON ST, SAUGATUCK, MI 49453-9639
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004485/463
Date	Jul 20, 2020
Book Page	4485/463

Lender

Name	CEN-TEX CERTIFIED DEV CORP
Type	Government Agency
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 5, 2019
Property Address	823 MASON ST, SAUGATUCK, MI 49453-9639
Document Number	004409/448
Book / Page	4409 / 448
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
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	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3038 VIA HADO, 3038, PALM SPRINGS, CA 92264-9679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 MASON ST, SAUGATUCK, MI 49453-9639

Mortgage

Document Number	0004409454
Date	Dec 5, 2019
Instrument	4409/454

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 823 Mason St was $20,633 with a homeowner's exemption, up 3.2% from the year before.

Source: Allegan County assessment roll, as of June 25, 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		$813,700 (-0.56%) Land $153,300 Building $660,400	$1,627,400 (-0.56%) Land $306,600 Building $1,320,800
2025	$20,633.00 (+3.25%) Homeowner's exemption	$818,300 Land $146,800 Building $671,500	$1,636,600 Land $293,600 Building $1,343,000
2024	$19,984.00
2023		$548,400 Land $88,600 Building $459,800	$1,096,800 Land $177,200 Building $919,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 823 Mason 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
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

Wildfire risk around 823 Mason 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	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mason St

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