Allegan County property record for 900 Lake St, Saugatuck, MI 49453
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 560 sqft · built 1986 |
| Lot Size | 1.09 acres (47,742 sqft) |
| Owner | Company Name on File |
| Last Sale | $900,000 (Dec 2015) |
| Tax Bill | $47,154 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 57-016-006-01 |
| Primary APN | 57-016-006-01 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 560 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 47,742 sqft (1.09 acres) |
| Lot Dimensions | 110 ft deep x 230 ft wide |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 5 Buildings |
| Heating System | Space Heater |
|---|
| Street Address | 900 LAKE ST |
|---|---|
| City | SAUGATUCK |
| State | MI |
| Zip | 49453-9747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-RESORTDI |
| Legal Description | COM AT NE COR TH W ON N SEC LIN 629.25' TH S 44' TO POB TH W 159.44' TH S 184.67' TH E 42' TH S TO N LIN BLUE STAR HWY TH |
| Legal Range | 16W |
| Legal Township | 03N |
| Legal Section | 16 |
| Jurisdiction | ALLEGAN MI |
| Township / Civil Division | SAUGATUCK |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 30801 |
Source: Allegan County assessment roll, as of June 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2525 W F AVE, KALAMAZOO, MI 49009-5468 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Line of Credit ARBOR FINANCIAL CU |
| Feb 22, 2021 | Deed of Trust, Mortgage · Commercial Mortgage ARBOR FINANCIAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 8, 2015 · Amount on Record |
| Deed Sale | Dec 8, 2015 · Amount on Record |
| Prior Sale | Dec 22, 2014 · Amount on Record |
| Deed Book / Page | 3986 / 439 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 900 LAKE ST, SAUGATUCK, MI 49453-9747 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4625/849 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 4625/849 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 8 Months |
| Due | Feb 19, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGAN MI |
| Property Address | 900 LAKE ST, SAUGATUCK, MI 49453-9747 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4580/947 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 4580/947 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 19, 2031 |
Source: Allegan County assessment roll, as of June 25, 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 | $1,070,700 (+45.83%) Land $275,600 Building $795,100 | $2,141,400 (+45.83%) Land $551,200 Building $1,590,200 | |
| 2025 | $47,154.00 | ||
| 2023 | $734,200 Land $155,100 Building $579,100 | $1,468,400 Land $310,200 Building $1,158,200 |
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 at the parcel |
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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