For Sale
648 Francis Street, Saugatuck, MI 49453
$1,199,000
MLS # 26033170 (Michigan Regional Information Center (MichRIC))
4 beds4 baths2,474 sqftBuilt 20030.57 acres
1 / 35
Listing Description
Peaceful Woodlands, Downtown Charm, Exceptional Living.... Experience the rare combination of peaceful, wooded privacy and walkable convenience in one of the area's most desirable locations. Just blocks from the charm of downtown, this exceptional home on 'The Hill' is designed for both everyday living and effortless entertaining. The outdoor spaces are truly unmatched with four expansive patios that create multiple destinations for dining, relaxing, and gathering with family and friends. Inside, sunlight pours through twin sliding glass doors that frame a striking central fireplace and showcase wooded views. The high-end, open-concept kitchen seamlessly connects to the main living and dining areas. Beautiful hardwood flooring flows throughout the main level, leading to a luxurious primary suite featuring a jetted soaking tub and spa-inspired Euro-style tile shower. Three additional bedrooms provide exceptional flexibility for guests, family,
Source: SparkMLS
About this home
This 4-bedroom, 4-bath, 2,474 sq ft home built in 2003 sits in Saugatuck in Saugatuck.
Listed at $1,199,000 (about $485/sq ft).
Estimated annual property tax: $23,103, or about $1,925 monthly. 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
Bedrooms4
Bathrooms4
Living Area2,474 sqft
Lot Size0.57 acres
Year Built2003
Stories1
Location
CitySaugatuck
MunicipalitySaugatuck City
Zip Code49453
CountyAllegan
School DistrictSaugatuck-Douglas
Construction & Systems
StyleRanch
ConstructionStone, Vinyl Siding
BasementWalk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected, Storm Sewer
InteriorGarage Door Opener, Center Island, Pantry
Sale & Financing
Listed6/30/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$23,103
Tax Year2026
Assessed Value$399,939
Parcel #57-009-016-01
Source: SparkMLS
Legal Description
See Attached in ''Documents''
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 Keith Claunch
Coldwell Banker Realty
Frequently Asked Questions about 648 Francis Street, Saugatuck, MI 49453
What school district is 648 Francis Street, Saugatuck, MI 49453 in?
Per MLS# 26033170, this property is served by Saugatuck-Douglas. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26033170, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26033170, the most recent reported annual property tax for 648 Francis Street, Saugatuck, MI 49453 is $23,103 (2026). 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.
Is 648 Francis Street, Saugatuck, MI 49453 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 648 Francis Street, Saugatuck, MI 49453 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
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.
How safe is 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.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$7,777
Principal & interest$7,777
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
648 Francis Street, Saugatuck, MI 49453
View full property history →
Municipality
Saugatuck
View all listings →
Get email alerts for new listings near 648 Francis Street
We'll notify you when something hits the market in Saugatuck or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.