1086 Keystone Rd, Holland, MI 49423 Property Records

Allegan County property record for 1086 Keystone Rd, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,922 sqft · built 2003
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,000 (Jan 2020)
Tax Bill	$8,839 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-06-304-012`

Property Details

APN / Parcel Number

Primary APN	`53-02-06-304-012`
Alternative APN	`03-53-02-06-304-012`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,922 sqft Living Area
1st Floor Area	1,736 sqft
Basement Area	1,076 sqft
Unfinished Basement	1,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	135 ft deep x 55 ft wide
Garage Area	1,540 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1086 KEYSTONE RD
City	HOLLAND
State	MI
Zip	49423-8848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 23, COBBLESTONE PLAT SEC 6 T4N R15W
Legal Range	15W
Legal Township	04N
Legal Section	06
Legal Subdivision	COBBLESTONE
Legal Lot Number	23
Jurisdiction	ALLEGAN MI
Township / Civil Division	HOLLAND
Census Block Group	2
Census Block	2001
Census Tract	32200

Owner

Source: Allegan County records, as of September 9, 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	1086 KEYSTONE RD, HOLLAND, MI 49423-8848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Jan 27, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Prior Sale	Mar 11, 2003 · Amount on Record
Deed Book / Page	4426 / 359
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1086 KEYSTONE RD, HOLLAND, MI 49423-8848
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 KEYSTONE RD, HOLLAND, MI 49423-8848

Mortgage

Document Number	004691/448
Date	Nov 2, 2021
Book Page	4691/448

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	1086 KEYSTONE RD, HOLLAND, MI 49423-8848
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004374/894
Date	Aug 26, 2019
Book Page	4374/894

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 27, 2020
Property Address	1086 KEYSTONE RD, HOLLAND, MI 49423-8848
Document Number	004426/359
Book / Page	4426 / 359
Map Reference	LB 15 PG 35
Instrument Date	Jan 17, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,027.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1086 KEYSTONE RD, 1086, HOLLAND, MI 49423-8848

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1086 KEYSTONE RD, HOLLAND, MI 49423-8848

Mortgage

Document Number	0004426361
Date	Jan 27, 2020
Instrument	4426/361

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Holland City
Unified School District	Holland City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,100 (+26.73%) Land $23,400 Building $222,700	$492,200 (+26.73%) Land $46,800 Building $445,400
2025	$8,839.00
2023		$194,200 Land $17,900 Building $176,300	$388,400 Land $35,800 Building $352,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2023 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2009–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2025 · other causes

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOLLAND BOARD OF PUBLIC WORKS serves 49,687 people · EPA ID MI0003190
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jan 2018
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Holland City Fiber, Xfinity.

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