Sold
417 Spear Street, Saugatuck, MI 49453
Sold on 12/31/2025 for$705,000
MLS # 25060801 (Michigan Regional Information Center (MichRIC))
4 beds3 baths1,800 sqftBuilt 19080.2 acres
1 / 42
Listing Description
One of the best deals in Saugatuck in years due to a relocation! Coveted Spear St. Dead end so no through or summer traffic. Best location on 'The Hill' surrounded by $1 million + homes! One of the best features is a 3 rm. COTTAGE with a new full bath. Perfect for guests, in laws, kids or a rentable ADU. Plumbed for a future kitch & w/d. This home has been lovingly updated over the past few years. New roof, Real hardwood & pine flooring though out, designer lighting, finished crawl space w/new vapor barrier. Wood burning frplc & a cozy library adjacent. Huge screen porch off newer chef's kitchen that has gleaming butcher block counters. Multi tiered decks and Patios with a hot tub. Main home has 2 bedrooms(possibility of a third) and 1 and 1/2 baths. This is a fantastic buy for either a full time resident or perfect second home! Quick walk to Saugatuck with it's great shopping, restaurants, farmers markets and events. This lovingly maintained Saugatuck classic is not to be missed!
Source: SparkMLS
About this home
This 4-bedroom, 3-bath, 1,800 sq ft home built in 1908 sits in Saugatuck in Saugatuck.
Final sale price: $705,000 (about $392/sq ft).
Annual property taxes run approximately $8,485 ($707/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by Michigan Gas Utilities Corporation. Broadband is available with download speeds up to 1,200 Mbps from 8 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area1,800 sqft
Lot Size0.2 acres
Year Built1908
Stories2
Location
CitySaugatuck
MunicipalitySaugatuck City
Zip Code49453
CountyAllegan
School DistrictSaugatuck Public Schools
Construction & Systems
StyleFarmhouse, Historic
ConstructionAluminum Siding, Wood Siding
BasementCrawl Space
HeatingBaseboard
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, Storm Sewer, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Guest Quarters, Hot Tub Spa, Eat-in Kitchen
Sale & Financing
Listed12/3/2025
Sold Date12/30/2025
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,485
Tax Year2022
Assessed Value$142,304
Parcel #0357-207-029-00
Source: SparkMLS
Legal Description
LOT 20 BLOCK 7 JUDSON'S ADDITION
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by John Park
@properties Christie's International R.E.
Frequently Asked Questions about 417 Spear Street, Saugatuck, MI 49453
Which school district serves 417 Spear Street, Saugatuck, MI 49453?
Per MLS# 25060801, 417 Spear Street, Saugatuck, MI 49453 is in the Saugatuck Public Schools boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Saugatuck Public Schools directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 25060801, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 417 Spear Street, Saugatuck, MI 49453?
Per public tax records, annual property taxes for this property are $8,485 (2022). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 417 Spear Street, Saugatuck, MI 49453 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 417 Spear Street, Saugatuck, MI 49453 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 417 Spear Street, Saugatuck, MI 49453. The maximum advertised download speed is 1.2 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 417 Spear Street, Saugatuck, MI 49453?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Saugatuck City police department or the Allegan County sheriff's office.
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Monthly payment$4,540
Principal & interest$4,540
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteSatelliteDSL
8 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
417 Spear Street, Saugatuck, MI 49453
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Municipality
Saugatuck
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