Ottawa County property record for 1040 E 10th St, Holland, MI 49423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,444 sqft · built 1981 |
| Lot Size | 0.362 acres (15,769 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,494 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-16-27-407-020 |
| Primary APN | 70-16-27-407-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| 1st Floor Area | 1,444 sqft |
| Basement Area | 1,444 sqft |
| Unfinished Basement | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 15,769 sqft (0.362 acres) |
| Lot Dimensions | 155 ft deep x 46 ft wide |
| Garage Area | 612 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1040 E 10TH ST |
|---|---|
| City | HOLLAND |
| State | MI |
| Zip | 49423-7408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 34 PRINCETON ESTATES SUBD SEC 27 T5N R15W |
| Legal Range | 15W |
| Legal Township | 05N |
| Legal Section | 27 |
| Legal Subdivision | PRINCETON ESTATES SUB |
| Legal Block | 407 |
| Legal Lot Number | 34 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | HOLLAND |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 25200 |
Source: Ottawa County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jul 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Feb 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2025 |
| Deed Sale | May 9, 2025 |
| Prior Sale | Oct 20, 2016 · Amount on Record |
| Deed Document Number | 202511702 |
| Prior Transfer Date | May 3, 2025 |
| Prior Transfer Doc | 20250011702 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 1, 2026 |
| Property Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Document Number | 0000015973 |
| Instrument Date | May 23, 2026 |
| Instrument | 202615973 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Investor | Possibly a Property Investor |
| Document Number | 0000015973, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 202615973 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 1, 2051 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Document Number | 20220026457 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022-0026457 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 292 Months |
| Due | Nov 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1040 E 10TH ST, HOLLAND, MI 49423-7408 |
| Document Number | 20220005831 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022-0005831 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Nov 1, 2046 |
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| Municipality | Holland City |
| Unified School District | Holland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $189,500 (+9.22%) | $379,000 (+9.22%) | |
| 2025 | $4,494.00 (+15.85%) Homeowner's exemption | $173,500 (+27.39%) | $347,000 (+27.39%) |
| 2023 | $136,200 | $272,400 | |
| 2022 | $3,879.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1982) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1982 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLLAND TOWNSHIP CONSOLIDATED serves 26,100 people · EPA ID MI0003195 |
|---|---|
| Water Source | Purchased surface water from WYOMING |
| Last State Inspection | Feb 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 410 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Holland City Fiber Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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