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1019-1021 Elizabeth St, Saugatuck, MI, 49453

4beds
3baths
1,961sqft
$725,000
$370price/sqft
$4,629/moest. monthly cost
$185,160/yrincome needed

About This Home

Two parcels in one bundled package! A rare opportunity to own 3/4 of an acre in the City of Saugatuck. This exceptional offering includes 1019 and 1021 Elizabeth Street, combining two corner lots totaling approximately .75 acres and backing directly to a peaceful nature preserve for added privacy and natural beauty. Enjoy a quiet residential setting just a short walk from downtown Saugatuck's shops, restaurants, galleries and waterfront. The property includes two older homes and a detached garage all being sold as-is. Renovate and create a private retreat, reimagine the property as a distinctive residential compound with potential for multiple homes, or explore development possibilities. Two parcels are already included in the sale, with the possibility of additional division subject to survey, city approval and applicable regulations. Opportunities like this are exceptionally rare in the City of Saugutuck— don't wait to see this one for yourself. Cross posted on MLS as residential. See attached docs for unique description of each parcel included.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

8/10
Douglas Elementary SchoolGrades PK-51.7 mi
7/10
Saugatuck Middle SchoolGrades 6-80.4 mi
8/10
Saugatuck High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1960

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: 2 to 4 Units

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Heating

  • Heating features: Forced Air

Interior Area

  • Total interior livable area: 1,961 sqft

Property

Details

  • Parcel number: 5700900700; 5700900800

Lot

  • Lot size: 0.75 Acres
  • Features: Adj to Public Land,Wooded,Corner Lot
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Hail
Strong Wind
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Allegan County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,665$43,980
Home Insurance *$147$1,764
Property Taxes $604$7,248
Electricity $213$2,566
Total$4,629$55,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,708/yr
40% on housing$138,870/yr
45% on housing$123,440/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 18.9%
18.9%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$370This listing

vs Other Active Listings

Avg $/sqft

ZIP 49453$436
Allegan County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 49453$431
Allegan County$217

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Listed for sale$725,000

For Sale by Agent

AgentNicole White
BrokerageFive Star Real Estate (Holland)

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