Oxbow
Surrounded by nature
Median $699K·Walkability 3.6/10·Schools 7.0/10
A pedestrian bridge arcs over the Thornapple River, connecting a brand-new neighborhood to the shops and restaurants of nearby Ada—and that bridge is the whole idea. Oxbow is Mosaic's latest collection of townhomes and manor homes, built with the kind of architectural care you don't stumble into by accident: high ceilings, thoughtful layouts, materials that don't apologize. The river itself is the amenity. Kayak from your doorstep. Fish. Bike along paths that follow both the Thornapple and Grand. Walk to coffee, dinner, grocers—all within steps. It's dense enough to have a pulse, but set back far enough that the water feels like the main event. About 15 minutes from Forest Hills Public Schools, which matters if you've got kids. The whole concept pivots on one truth: people want to live near something real—a river, neighbors, actual food—and Mosaic bet that done well, that's enough.
Why people love it here
Lake life
- Kalamazoo Lake within walking distance
- 62 parks within 1 mile
- Tallmadge Woods Nature Preserve: 10 min walk
- Kalamazoo Lake: 11 min drive
Saugatuck High School
- High — 0.7 mi away
- Saugatuck
- 3 rated schools in district
$699K median
- 60 sales in last 12mo
Explore Oxbow
Same name, different focus — Oxbow is also covered as:
- Oxbow Community — community details
Conventional Mortgage Calculator
Median home price in Oxbow
Estimated Monthly Payment
$4,745/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
60 homes sold in Oxbow this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 6/10 to 8/10
School District: Saugatuck Public Schools
Nearest Park
Tallmadge Woods Nature Preserve
0.2 mi
Parks Nearby
62
within 1 mile
Nearest Lake
Kalamazoo Lake
0.0 mi
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Lake Vista SuperValu
Tallmadge Woods Nature Preserve
Kalamazoo Lake
Unnamed beach
64th Street
Saugatuck Douglas District Library
Crime in Oxbow is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Allegan County.
Allegan County crime & safety stats →To buy a median-priced Oxbow home (around $699,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $124k/year in household income to qualify — an estimated monthly payment of $4,649 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $4,649/mo | $123,980 |
| 10% (+PMI) | $5,353/mo | $142,739 |
| 5% (+PMI) | $5,588/mo | $149,013 |
Estimates use a 6.49% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
5 parcels
Active / pending
Typical Land Value
$262K/acre
Median asking
Median Price
$375K
Per listing
Multifamily for sale
Listings
3 buildings
Active / pending
Median Price
$625K
Per building
Price Per Unit
$313K
Median
Who actually lends in Oxbow, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$897/yr in electricity from a typical rooftop solar system
Produces ~6,546 kWh/yr · offsets ~62% of a typical home's use
Municipal / public water
Based on assessor parcel records
Municipal sewer
Based on assessor parcel records
Resident-arranged hauler
Curbside trash resident-arranged.
Consumers Energy / SEMCO Energy
Natural gas where available.
Confirm by addressServices for Saugatuck · Source: saugatucktownshipmi.gov
Utility, solar, and service details for Oxbow are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
🛒 Grocery(1)
Lake Vista SuperValu
Grocery Store
🍕 Restaurants(6)
The Southerner
Restaurant
Saugatacos
Fast Food
Ida Red's Cottage
Restaurant
The Grilled Cheese Shack
Restaurant
Baldy’s Smoked Meats
Restaurant
+1 more within 5 miles
☕ Coffee(6)
+3 more within 5 miles
🍺 Bars(8)
+5 more within 5 miles
🏫 Schools(10)
Saugatuck High School
School
School
School Number 4
Gibson School
+5 more within 5 miles
💪 Gyms(1)
Blue Star Gym
Fitness Center
🌳 Parks(4)
+1 more within 5 miles
🐕 Dog Parks(2)
Dog Park
Dog Park in Dudleyville Plat Area
Dog Park
🚴 Trails(4)
Bike Path
Bike Path
Mildred A. Peterson Nature Preserve Trail
Bike Path
Unnamed bike_path
Bike Path
+1 more within 5 miles
📚 Libraries(1)
Saugatuck Douglas District Library
Frequently asked about Oxbow
- What do homes cost in Oxbow?
- The median home value in Oxbow is about $699,000. Individual prices vary by street, size, and condition.
- How active is the Oxbow housing market?
- there are 20 homes for sale in Oxbow right now, and 60 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Oxbow?
- Oxbow is served by Saugatuck Public Schools. Its highest-rated assigned school is Saugatuck High School (8/10).
- Is Oxbow walkable?
- Oxbow scores 3.6/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Oxbow
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