Saugatuck Homes with FHA Listing Terms

Saugatuck Homes with FHA Listing Terms

Welcome to Saugatuck, Michigan, a picturesque gem nestled along the shores of Lake Michigan in Allegan County. Known for its stunning natural beauty and vibrant arts scene, Saugatuck offers a unique blend of small-town charm and cultural richness. With its scenic landscapes, sandy beaches, and quaint downtown filled with boutique shops, art galleries, and delightful eateries, Saugatuck is not just a destination; it’s a lifestyle.

For those looking to plant roots in this enchanting city, there are numerous homes available that qualify for FHA listing terms. The Federal Housing Administration (FHA) provides accessible financing options, making homeownership a reality for many. Whether you’re a first-time buyer or looking to invest in a vacation retreat, Saugatuck's diverse housing market has something for everyone. From cozy cottages and historic homes to modern waterfront properties, the options are plentiful and inviting.

Imagine waking up to the sound of waves lapping at the shore, or enjoying a sunset stroll along the picturesque Kalamazoo River. With its close-knit community and a plethora of outdoor activities, including hiking, boating, and art festivals, Saugatuck is perfect for those seeking an active and fulfilling lifestyle.

Explore the possibilities of owning a home in this idyllic city with FHA financing, and discover why Saugatuck is not just a place to live, but a place to thrive. Your dream home awaits in this charming lakeside paradise!

Newest Saugatuck Homes with FHA Listing Terms

6 Beds ⋅ 5 Baths ⋅ 26047331 MLS ⋅ ACTIVE Status

An exceptional opportunity in the heart of Saugatuck, this meticulously maintained three-unit property blends historic charm, thoughtful updates, and outstanding short-term rental potential. Just two blocks from downtown with convenient highway access, it offers projected annual rental income well into six figures. The 2,200-square-foot main home features original hardwood floors, a high-end kitchen, flexible sleeping spaces, multiple living areas, and a private rooftop deck. Two renovated carriage-house units provide additional guest accommodations, including a studio and an upper apartment with a full kitchen. Turnkey and versatile, it is ideal as an investment, personal retreat, or income-producing compound.

722 Lake Street, Saugatuck

4 Beds ⋅ 3 Baths ⋅ 26046530 MLS ⋅ ACTIVE Status

A Unique Saugatuck Offering — On the Hill When location matters and you want to enjoy all that Saugatuck has to offer, look no further. Located in the area affectionately known as "On the Hill," this charming home is just a hop, skip and a jump from downtown, the waterfront, shops, restaurants, marinas, the high school and so much of what makes Saugatuck special. There is a wonderful history to this home. Three generations of the same family have lived here and cared for this property through the years. For decades, the home has been used as two living spaces, offering flexibility for family, guests or rental use. Most recently, both sides have been used as short-term rentals. Some remodeling has been completed through the years, creating a mix of stepping back to a slower, simpler time while still offering the conveniences of everyday living. The long-standing two-living-space arrangement gives the new owner many possibilities — continue using the home as two living spaces, bring it together as one home, live in one side and use the other as a monthly rental, or create a space that works beautifully for family and guests. The offering price leaves room for the next family to bring their own vision to this special property and create the home and living space they have been dreaming of. Both living spaces offer covered porches, providing wonderful spots to sit back and enjoy the setting. The full backyard offers room to relax, garden, gather and enjoy the outdoors, while the jumbo storage shed provides plenty of space for storage, tools, bikes and all the extras that come with enjoying a Saugatuck property. This is a must-see home and property for anyone wanting a Saugatuck address, a walkable location and the flexibility to make a property their own. Walk to town, the waterfront, shops, restaurants, marinas, the high school and countless community activities — then come home to a property with a history of being loved and cared for by three generations. A special location. A home with a story. And an opportunity for the next chapter to be yours.

345 Mary Street, Saugatuck

4 Beds ⋅ 3 Baths ⋅ 26046342 MLS ⋅ ACTIVE CONTINGENT Status

Nestled in peaceful Saugatuck Township, this beautifully updated home combines modern comfort, deeded Silver Lake access, and an unbeatable West Michigan location just minutes from downtown Saugatuck, Douglas, and Lake Michigan beaches. Located in the highly desirable Lorrimar Lane neighborhood, this exceptional 4-bedroom, 3-bath home offers over 2,800 square feet of finished living space designed for both everyday living and entertaining. The heart of the home is a stunning, fully renovated kitchen featuring premium Wolf and Café appliances, quartz countertops, custom cabinetry, an oversized entertaining island, and an open-concept layout that seamlessly connects to the main living area. Warm wood flooring, a cozy gas fireplace, dedicated home office, spacious primary suite, and screened porch with scenic views create an inviting atmosphere throughout the main level. The finished lower level provides additional living space with multiple bedrooms, a full bathroom, a large family room, and a versatile home gym with existing exhaust ventilation that could also serve as a workshop, hobby room, or fitness space. Extensive recent improvements include remodeled bathrooms, Pella Impervia windows and sliding doors, a Therma-Tru front entry door, updated lighting and plumbing fixtures, newer roof, whole-home generator, fiber internet service, fenced backyard, underground sprinkling, storage shed, and professional landscaping enhancements. Enjoy deeded access to Silver Lake, complete with a shared beach area, patio, fire pit, and canoe/kayak storage, offering a true lakeshore lifestyle without the expense of direct waterfront ownership. Conveniently located near boating, marinas, golf courses, restaurants, shopping, art galleries, and the award-winning beaches of Lake Michigan, this property presents an outstanding opportunity as a year-round residence, vacation home, or West Michigan retreat in one of the region's most sought-after resort communities.

3260 Lorrimar Lane, Saugatuck

3 Beds ⋅ 3 Baths ⋅ 26042927 MLS ⋅ ACTIVE Status

Freshly updated and income-ready in Saugatuck Township! This stylish ranch at 3333 Blue Star Hwy offers a smart opportunity for investors, short-term rental buyers, or those seeking a property with flexible use potential in a desirable lakeshore market. With major updates already completed, this move-in-ready home is positioned for immediate enjoyment or rental income. The main level features an open living area with ceiling beams, new laminate wood flooring, and a striking floor-to-ceiling stone fireplace. The updated eat-in kitchen includes new cabinets, countertops, island, and a stackable washer/dryer tucked behind a barn door. Double doors lead from the living room to the back patio and fenced backyard, complete with a bar area and wiring for a hot tub — ideal amenities for guests and entertaining. The main floor includes a stylish owner's ensuite with new vanity, fixtures, tile shower, and tile flooring, plus an additional bedroom and full bath. Both main-level bedrooms feature hardwood floors. The finished lower level expands the usable space with a family room, third bedroom, and all-new vinyl plank flooring. Recent improvements include fresh paint inside and out, new A/C, new windows, new front deck, and new garage door. Located near Saugatuck's beaches, restaurants, shops, galleries, and year-round attractions, this updated property offers strong appeal as a rental, vacation getaway, or income-producing investment.

3333 Blue Star Highway, Saugatuck

3 Beds ⋅ 3 Baths ⋅ 26041681 MLS ⋅ ACTIVE Status ⋅ Singapore Trails BLDG.

Discover an exceptional condo in Saugatuck Township offering a spacious, thoughtfully designed floor plan with beautiful finishes and a peaceful wooded setting. The main level features an inviting open-concept living and entertaining area with hardwood floors, a stylish bar, and a well-appointed kitchen with elegant quartz countertops. Just off the dining area, a private deck provides the perfect spot to enjoy morning coffee, outdoor dining, or the tranquil views of the wooded backdrop. The main-level primary suite is generously sized and features a large walk-in closet and a luxurious ensuite bath finished with beautiful tile. Upstairs, you'll find two additional bedrooms, a full bath, and a versatile office/study area—ideal for guests, hobbies, or working from home. The lower level expands the living space even further with a large recreation and TV area that opens directly to a nicely landscaped rear patio, creating an inviting connection between indoor and outdoor living. Located just minutes from the beaches, downtown Saugatuck, Douglas, and the area's exceptional shopping, dining, and recreation, this home offers the ideal combination of comfort, style, and location. A wonderful opportunity to enjoy the best of Southwest Michigan in a beautifully finished, low-maintenance home.

6540 Old Singapore Trail, Saugatuck

4 Beds ⋅ 4 Baths ⋅ 26033170 MLS ⋅ ACTIVE Status

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, ...or a dedicated home office, complemented by both a full and 1/2 bath. The lower level expands the living space with a spacious family room, full bath, and direct access to a stamped concrete patio and fenced backyard. Completing this remarkable property are an attached garage, two powered sheds, and ample parking. Offering a rare blend of luxury, privacy, and convenience just moments from downtown shopping, dining, parks, and community events, this one-of-a-kind property is the perfect place to call home.

648 Francis Street, Saugatuck

26012799 MLS ⋅ ACTIVE Status

Rare Saugatuck investment opportunity at 707 & 709 N Maple! Two income-producing residences in sought-after Saugatuck Township, just outside City limits and minutes from downtown shops, dining and waterfront—without being subject to the City of Saugatuck's capped short-term-rental licensing structure. Updated in 2024 with new flooring, paint and more, the property includes a 2-bed/1-bath residence plus a 1-bed/1-bath residence with attached garage. Seller-provided reporting shows $82,000+ in reservation revenue from Aug. 2025-Aug. 2026 and $182,000+ since May 2024. The 2026 Maple Street improvement project adds roadway and sidewalk upgrades to enhance walkability toward downtown. Operate both as rentals, live in one and rent the other, or create your own income strategy. Rental history available. Buyer to independently verify rental requirements, municipal boundaries and continued eligibility.

707 N Maple Street, Saugatuck

4 Beds ⋅ 3 Baths ⋅ 26001961 MLS ⋅ ACTIVE CONTINGENT Status

Welcome to 6288 Hawthorne in Saugatuck, Michigan—a beloved West Michigan home tucked into one of the area's most sought-after lakeshore communities. This residence has been truly loved and appreciated over the years, offering a warm and inviting atmosphere. The fenced-in yard adds an extra layer of privacy and seclusion, making it a perfect private retreat. Located just minutes from the vibrant heart of downtown Saugatuck and Douglas, you'll have easy access to charming shops, delightful dining, and the scenic Kalamazoo River. Enjoy the natural beauty of Oval Beach, the trails of Saugatuck Dunes State Park, and the iconic Mount Baldhead. Come and experience a home that's been truly treasured, in a location that offers the very best of the Saugatuck lifestyle. Recent updates provide added peace of mind, including a whole-home dehumidifier, new furnace and refrigerator (2025), central air conditioning (2024), and a smart garage door opener and dishwasher (2023) Updates totaling $20,000

6288 Hawthorne Court, Saugatuck

4 Beds ⋅ 3 Baths ⋅ 25034050 MLS ⋅ ACTIVE Status

Back on the Market and priced to SELL! Welcome to your dream home just a short distance away from the heart of Downtown Saugatuck -- where custom craftsmanship, thoughtful upgrades, and a touch of golf course magic come together on .91 acres! This stunning 4-bedroom, 2.5-bath home sprawls almost 2800 sqft...and it overlooks the prestigious Clearbrook Golf Course lush 18 holes -- an ever-changing view of rolling greens right from your own backyard. Built with meticulous attention to detail, this high-efficiency home boasts upgraded Timberline lifetime warranty shingles, Andersen Silverline windows & patio doors with a ''limited'' lifetime warranty, and custom blinds throughout. Sink your toes into the plush upgraded 8lb charity memory foam carpet padding that is both water-resistant and pet stain-resistant...so go ahead and invite the four-legged friends too! See 'More' Remarks... The open-concept living area invites you to gather around the cozy, climate-controlled upgraded and oversized gas fireplace, perfect for Michigan's crisp evenings. Entertain with ease inside and out..a spacious upper deck with composite decking and railing that is topped off with an LED lighted electronic retractable awning. Take the party down to the lower patios with a charming pergola, garden beds for your green thumb, and a gas line ready for your grill, fireplace, or future generator. Need extra space? The heated 3-car garage is a dream come true...where you will find hot & cold water spigots, insulated garage doors, high-end shelving and cabinets for ultimate organization, and much more. And, don't forget the handy shed for outdoor toys and tools, the 12-station underground sprinkling system for lush landscaping, and the invisible dog fence so "Fido" stays safe and happy. Speaking of rentals...this beauty is also a fantastic investment opportunity and just minutes from vibrant downtown Saugatuck, charming Douglas, sandy beaches at Oval and Douglas, and the wineries of Fennville. In addition, Saugatuck Township would even allow for a 650 SqFt ADU (Buyer would need and want to verify this with the Township). This home/property is close to everything around the area and is a one-of-a-kind property checking every box. Whether you're hosting summer soirées, sipping coffee on the covered front porch, or perfecting your swing at Clearbrook, this is more than a house...it's a lifestyle. Come see what "living the good life" really looks like, as your Saugatuck sanctuary awaits!

6515 134th Ave Avenue, Saugatuck

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