Ottawa County property record for 1075 E 12th St, Holland, MI 49423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,396 sqft · built 1992 |
| Lot Size | 0.295 acres (12,850 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $318,000 (Jan 2024) |
| Tax Bill | $6,048 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2026 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-16-27-425-017 |
| Primary APN | 70-16-27-425-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,396 sqft Living Area |
| 1st Floor Area | 931 sqft |
| Basement Area | 931 sqft |
| Unfinished Basement | 943 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Tri-Level |
| Lot Area | 12,850 sqft (0.295 acres) |
| Lot Dimensions | 142 ft deep x 90 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 1075 E 12TH ST |
|---|---|
| City | HOLLAND |
| State | MI |
| Zip | 49423-7468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 19 HEATHER HEIGHTS ESTATES SEC 27 T5N R15W |
| Legal Range | 15W |
| Legal Township | 05N |
| Legal Section | 27 |
| Legal Subdivision | HEATHER HEIGHTS |
| Legal Block | 425 |
| Legal Lot Number | 19 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | HOLLAND |
| Census Block Group | 3 |
| Census Block | 3001 |
| 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 | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU |
| Feb 17, 2026 | Intrafamily Transfer, Transfer |
| Jan 3, 2024 | Warranty Deed, Transfer · Conventional Mortgage ARBOR FINANCIAL CU |
| Feb 8, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage ARBOR FINANCIAL CU |
| Jun 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU |
| Apr 10, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2024 · Amount on Record |
| Deed Sale | Jan 3, 2024 · Amount on Record |
| Prior Sale | Jun 4, 2012 · Amount on Record |
| Deed Document Number | 2024191 |
| Last Transfer Date | Feb 17, 2026 |
| Transfer Doc | 20260004271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Number | 20260003826 |
|---|---|
| Date | Feb 11, 2026 |
| Instrument | 2026-0003826 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.3% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.3% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 17, 2026 |
| Property Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Number | 20260004271 |
| Map Reference | LB 26 PG 44 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026-0004271 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Name | Verified Name |
|---|---|
| Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jan 3, 2024 |
| Property Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Number | 20240000191 |
| Map Reference | LB 26 PG 44 |
| Instrument Date | Dec 29, 2023 |
| Instrument | 2024-0000191 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| 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 | $2,385.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Name | Verified Name |
|---|---|
| Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Number | 20240000192 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | 2024-0000192 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 11.7% |
| Max Rate | 11.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 8, 2022 |
| Property Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Number | 20220005273 |
| Map Reference | LB 26 PG 44 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2022-0005273 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1080 E 12TH ST, 1080, HOLLAND, MI 49423-3844 |
| Name | Verified Name |
|---|---|
| Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Document Number | 20220005274 |
|---|---|
| Date | Feb 8, 2022 |
| Instrument | 2022-0005274 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 20210030615 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021-0030615 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | KALAMAZOO, MI 49009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Jul 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 1075 E 12TH ST, HOLLAND, MI 49423-7468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20180011793 |
|---|---|
| Date | Apr 10, 2018 |
| Instrument | 2018-0011793 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | HOLLAND, MI 49424 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $164,000 (+7.4%) | $328,000 (+7.4%) | |
| 2025 | $6,048.00 (+2.89%) Homeowner's exemption | $152,700 (+26.2%) | $305,400 (+26.2%) |
| 2024 | $5,878.00 (+137.21%) | ||
| 2023 | $121,000 | $242,000 | |
| 2022 | $2,478.00 |
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 · 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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