For Sale
895 Holland Street, Saugatuck, MI 49453
$495,000
MLS # 26007925 (Michigan Regional Information Center (MichRIC))
2 beds1 bath1,127 sqftBuilt 19640.19 acres
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Listing Description
Walk to the Harbor, Marina & Downtown from This Hidden Saugatuck Gem! Discover one of Saugatuck's best-kept secrets. Nestled on an oversized wooded lot just moments from the harbor, marina, and downtown, this charming cottage offers a rare combination of privacy, walkability, and future potential. Surrounded by mature trees and bordering the Mildred Peterson Nature Preserve, the property feels like a secluded retreat while placing you within easy walking distance of everything that makes Saugatuck special. Enjoy morning coffee from the private deck off the primary suite, unwind in the in-home sauna after a day on the water, or entertain friends on the expansive multi-level deck system overlooking the peaceful backyard. The thoughtfully designed outdoor spaces include a private patio, a lower deck ideal for a future hot tub, and plenty of room to gather, relax, and enjoy the natural setting. Inside, the cozy cottage charm blends with practical features including a full walkout
Source: SparkMLS
About this home
2-bedroom, 1-bath, 1,127 sq ft home in Saugatuck in Saugatuck built in 1964.
Asking $495,000 (about $439/sq ft).
Annual property taxes run approximately $4,247 ($354/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.
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Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms1
Living Area1,127 sqft
Lot Size0.19 acres
Year Built1964
Stories1
Location
CitySaugatuck
MunicipalitySaugatuck City
Zip Code49453
CountyAllegan
School DistrictSaugatuck-Douglas
Construction & Systems
StyleCabin
ConstructionWood Siding
BasementFull, Walk-Out Access
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, Cable Connected, Storm Sewer
InteriorCeiling Fan(s), Broadband, Sauna, Pantry
Sale & Financing
Listed3/3/2026
Original Price$574,900
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,247
Tax Year2025
Assessed Value$103,237
Parcel ##57-052-001-00
Source: SparkMLS
Legal Description
LOT 1 BLK 2 EX SELY 4.5 FT THEREOF BANDLE'S ADDITION VILLAGE OF SAUGATUCK SEC 9 T3N R16W.
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 Laura J Durham
Mill Pond Realty
Frequently Asked Questions about 895 Holland Street, Saugatuck, MI 49453
Which school district serves 895 Holland Street, Saugatuck, MI 49453?
Per MLS# 26007925, 895 Holland 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 type of financing is accepted for this listing?
Per MLS# 26007925, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 895 Holland Street, Saugatuck, MI 49453?
Per public tax records, annual property taxes for this property are $4,247 (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, 895 Holland 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 895 Holland 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 895 Holland 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$3,211
Principal & interest$3,211
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
895 Holland Street, Saugatuck, MI 49453
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Municipality
Saugatuck
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