Ottawa County property record for 1048 E 12th St, Holland, MI 49423
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 992 sqft · built 1988 |
| Lot Size | 0.242 acres (10,542 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Jul 2024) |
| Tax Bill | $5,041 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2024 Transfer + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-16-27-471-010 |
| Primary APN | 70-16-27-471-010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| 1st Floor Area | 992 sqft |
| Basement Area | 992 sqft |
| Unfinished Basement | 992 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 10,542 sqft (0.242 acres) |
| Lot Dimensions | 132 ft deep x 80 ft wide |
| Garage Area | 539 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1048 E 12TH ST |
|---|---|
| City | HOLLAND |
| State | MI |
| Zip | 49423-3844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 21 STRATFORD COMMONS NO2 SEC 27 T5N R15W |
| Legal Range | 15W |
| Legal Township | 05N |
| Legal Section | 27 |
| Legal Subdivision | STRATFORD COMMONS # 2 |
| Legal Block | 471 |
| Legal Lot Number | 21 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | HOLLAND |
| Census Block Group | 4 |
| Census Block | 4000 |
| 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 | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| Feb 21, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Feb 21, 2024 | Intrafamily Transfer, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Apr 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Nov 8, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jul 15, 2020 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Jul 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage MACATAWA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2024 · Amount on Record |
| Deed Sale | Jul 30, 2024 · Amount on Record |
| Prior Sale | Jul 15, 2020 · Amount on Record |
| Deed Document Number | 202419340 |
| Prior Transfer Date | Feb 21, 2024 |
| Prior Transfer Doc | 20240004031 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 17, 2026 |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 0000025163 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202625163 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 0000025163, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 202625163 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 21, 2024 |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20240004031 |
| Map Reference | LB 24 PG 21 |
| Instrument Date | Feb 21, 2024 |
| Instrument | 2024-0004031 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Name | Verified Name |
|---|---|
| Address | 4663 TERRAVITA CIR, HOLLAND, MI 49423-8874 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 21, 2024 |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20240004030 |
| Map Reference | LB 24 PG 21 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024-0004030 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2024 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 WINTERWOOD DR, GREENWOOD, IN 46143-7604 |
| Name | Verified Name |
|---|---|
| Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20230009516 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2023-0009516 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20210038914 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021-0038914 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20170042099 |
|---|---|
| Date | Nov 8, 2017 |
| Instrument | 2017-0042099 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 15, 2020 |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20200028531 |
| Map Reference | LB 24 PG 21 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 2020-0028531 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,659.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 STRATFORD WAY APT 1, 440, HOLLAND, MI 49423-8081 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20200028532 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 2020-0028532 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 30, 2018 |
| Property Address | 1048 E 12TH ST, HOLLAND, MI 49423-3844 |
| Document Number | 20180026588 |
| Map Reference | LB24 PG21 |
| Instrument Date | Jul 24, 2018 |
| Instrument | 2018-0026588 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,548.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1048 E 12TH ST, 1048, HOLLAND, MI 49423-3844 |
| Name | Verified Name |
|---|---|
| Address | 440 STRATFORD WAY, HOLLAND, MI 49423-8081 |
| Document Number | 20180026589 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 2018-0026589 |
| Name | MACATAWA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
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 | $122,600 (+6.7%) | $245,200 (+6.7%) | |
| 2025 | $5,041.00 (+51.93%) Homeowner's exemption | $114,900 (+13.31%) | $229,800 (+13.31%) |
| 2023 | $101,400 | $202,800 | |
| 2022 | $3,318.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 · tidal / storm surge |
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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