Sold
431 Spear Street, Saugatuck, MI 49453
Sold on 05/11/2026 for$1,550,000
MLS # 26019057 (Michigan Regional Information Center (MichRIC))
3 beds3 baths3,091 sqftBuilt 19650.4 acres
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Listing Description
A MOST DESIRERABLE LOCATION. IT'S RARE WHEN A PROPERTY THAT'S ONLY 3 BLOCKS FROM ALL THAT DOWNTOWN SAUGATUCK HAS TO OFFER, CAN BE DESCRIBED AS PRIVATE OR SECLUDED OR SERENE. THIS IS IT. IT'S JUST A SHORT STROLL TO RESTAURANTS, ART GALLERIES, AND MARINAS. OR TAKE THE CHAIN FERRY AND YOUR AT A LAKE MICHIGAN BEACH. THIS IS SUCH A WARM AND CREATIVELY FLEXIBLE HOME. FIRST YOU ARE GREATED BY SOLID WALNUT FLOORS THROUGHOUT MOST OF THE MAIL LEVEL. THE SPACES ARE DEFINED YET FLEXIBLE IN HOW THEY CAN BE USED. THE CENTER ISLAND KITCHEN HAS BEAUTIFULL VIEWS OF THE GARDENS AND LARGE SLATE PATIO WHICH HAS AN OUTDOOR KITCHEN. FRENCH DOORS IN BOTH THE LIVINGROOM AND PRIMARY SUITE LEAD TO INTIMATE PATIOS AND GARDENS. FROM THE LIBRARY YOU'LL STEP INTO A 3 SEASON PORCH FINISHED ENTIRELY IN PICKELED KNOTTY PINE AND WARMED ON COOL NIGHTS BY A WOOD BURNING, STONE FIREPLACE. THE BIG BONUS IS A MASSIVE SPA ROOM EQUIPPED WITH A 8FT x 14FT HEATED RESISTANCE POOL.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 3,091 sq ft home in Saugatuck in Saugatuck built in 1965.
This home sold for $1,550,000 (about $501/sq ft).
Annual property taxes run approximately $8,718 ($727/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area3,091 sqft
Lot Size0.4 acres
Year Built1965
Stories2
Location
CitySaugatuck
MunicipalitySaugatuck City
Zip Code49453
CountyAllegan
School DistrictSaugatuck-Douglas
Construction & Systems
StyleTraditional
ConstructionShingle Siding, Vinyl Siding
BasementPartial
Garage3 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesCable Connected
InteriorCentral Vacuum, Garage Door Opener, Center Island
Sale & Financing
Listed4/29/2026
Sold Date5/10/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,718
Tax Year2025
Assessed Value$211,879
Parcel #57-207-031-00
Source: SparkMLS
Legal Description
LOTS 21 & 22 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 David R Gregersen
Jaqua Realtors
Frequently Asked Questions about 431 Spear Street, Saugatuck, MI 49453
Which school district serves 431 Spear Street, Saugatuck, MI 49453?
Per MLS# 26019057, 431 Spear Street, Saugatuck, MI 49453 is in the Saugatuck-Douglas boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Saugatuck-Douglas directly to confirm enrollment eligibility.
What financing options are available for 431 Spear Street, Saugatuck, MI 49453?
Per MLS# 26019057, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 431 Spear Street, Saugatuck, MI 49453?
Per public tax records, annual property taxes for this property are $8,718 (2025). 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, 431 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 431 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 utilities serve 431 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$9,729
Principal & interest$9,729
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
431 Spear Street, Saugatuck, MI 49453
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Municipality
Saugatuck
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