954 Elizabeth St, Saugatuck, MI 49453 Property Records

Allegan County property record for 954 Elizabeth St, Saugatuck, MI 49453

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 839 sqft
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,802 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`57-052-008-00`

Property Details

APN / Parcel Number

Primary APN	`57-052-008-00`
Alternative APN	`03-57-052-008-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	839 sqft Living Area
1st Floor Area	839 sqft

Exterior

Exterior Material	Wood
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	132 ft deep x 56.8 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	954 ELIZABETH ST
City	SAUGATUCK
State	MI
Zip	49453-9735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR-COMM RE
Legal Description	ALL THAT PART OF LOTS 8 & 9 BLOCK 2 BANDLES ADD. DES AS COM AT SW COR OF LOT 9 TH NELY ALG W LINE OF LOTS 9 & 8 97' TH SELY PAR WITH N LINE OF LOT 8 38' TH NELY 17.5' TH SELY 40' TH SWLY PAR WITH W LINE OF LOTS 8 & 9 57.75' TH SELY 54' TO W LINE OF E
Legal Range	16W
Legal Township	03N
Legal Section	09
Legal Subdivision	BANDLES ADD
Legal Block	2
Jurisdiction	ALLEGAN MI
Township / Civil Division	SAUGATUCK
Census Block Group	2
Census Block	2026
Census Tract	30801

Owner

954 Elizabeth St is owned and occupied by two individuals who acquired it in November 2020.

Source: Allegan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	131 W ADELAIDE ST, 104, ELMHURST, IL 60126-6204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Apr 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 15, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2009
Deed Sale	Mar 10, 2009
Prior Sale	Oct 29, 2004 · Amount on File
Deed Book / Page	3303 / 772
Last Transfer Date	Nov 25, 2020
Transfer Doc	004551/286
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	954 ELIZABETH ST, SAUGATUCK, MI 49453-9735
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004134/653
Date	Apr 28, 2017
Book Page	4134/653

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2037

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Dec 15, 2020
Property Address	954 ELIZABETH ST, SAUGATUCK, MI 49453-9735
Document Number	004551/286
Book / Page	4551 / 286
Instrument Date	Nov 25, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	954 ELIZABETH ST, SAUGATUCK, MI 49453-9735

Mortgage

Document Number	0004551288
Date	Dec 15, 2020
Instrument	4551/288

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Dec 15, 2020
Property Address	954 ELIZABETH ST, SAUGATUCK, MI 49453-9735
Document Number	4551/284
Book / Page	4551 / 284
Instrument Date	Nov 25, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	954 ELIZABETH ST, SAUGATUCK, MI 49453-9735

Tax Assessment & Valuation

The 2025 property tax bill for 954 Elizabeth St was $6,802 with a homeowner's exemption, up 3.2% from the year before.

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		$200,200 (+0.45%) Land $88,000 Building $112,200	$400,400 (+0.45%) Land $176,000 Building $224,400
2025	$6,802.00 (+3.2%) Homeowner's exemption	$199,300 Land $84,300 Building $115,000	$398,600 Land $168,600 Building $230,000
2024	$6,591.00
2023		$134,200 Land $50,900 Building $83,300	$268,400 Land $101,800 Building $166,600

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

Flood

FEMA maps place 954 Elizabeth St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 954 Elizabeth 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 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 Elizabeth St

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