10879 Polk St, West Olive, MI 49460 Property Records

Ottawa County property record for 10879 Polk St, West Olive, MI 49460

Property Summary

Property Type	Manufactured or Modular Home
Details	6 bd · 2 ba · 1,680 sqft · built 2002
Lot Size	1.79 acres (78,277 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,384 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-12-11-300-030`

Property Details

APN / Parcel Number

Primary APN	`70-12-11-300-030`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Unfinished Basement	1,680 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Lot Area	78,277 sqft (1.79 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10879 POLK ST
City	WEST OLIVE
State	MI
Zip	49460-8532
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	AG
Legal Description	PART OF SE 1/4 OF SW 1/4 COM N 87D 48M 20S W 3485 FT FROM S 1/4 COR, TH TH N 87D 48M 20S W 26806 FT, N 0D 0M 25S W 325 FT TH S 87D 48M 20S E 26806 FT, TH S 0D 0M 25S E 325 FT TO BEG SEC 11 T6N R15W 2A
Legal Range	15W
Legal Township	06N
Legal Section	11
Legal Block	300
Jurisdiction	OTTAWA MI
Township / Civil Division	OLIVE
Census Block Group	2
Census Block	2026
Census Tract	22001

Owner

10879 Polk St, a residential property, is owned and occupied by two individuals who acquired it in October 2012.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10879 POLK ST, WEST OLIVE, MI 49460-8532
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CREDIT UNION
Jun 9, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 6, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 24, 2012
Transfer Doc	20120046586
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	May 21, 2026
Property Address	10879 POLK ST, WEST OLIVE, MI 49460-8532
Document Number	0000014875
Instrument Date	May 13, 2026
Instrument	202614875
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10879 POLK ST, WEST OLIVE, MI 49460-8532

Mortgage

Document Number	0000014875,
Date	May 21, 2026
Instrument	202614875

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 27, 2056

Interest

Rate	4.99%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	10879 POLK ST, WEST OLIVE, MI 49460-8532
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10879 POLK ST, WEST OLIVE, MI 49460-8532

Mortgage

Document Number	20220021587
Date	Jun 9, 2022
Instrument	2022-0021587

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 11, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	10879 POLK ST, WEST OLIVE, MI 49460-8532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170004451
Date	Feb 6, 2017
Instrument	2017-0004451

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Dec 22, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	10879 POLK ST, WEST OLIVE, MI 49460-8532
Transaction Type	Mortgage
Record Updated	Jun 4, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200019467
Date	May 20, 2020
Instrument	2020-0019467

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10879 Polk St was $2,384 with a homeowner's exemption.

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
County Subdivision	Olive Township
Unified School District	Zeeland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$196,100 (+2.67%)	$392,200 (+2.67%)
2025	$2,384.00 Homeowner's exemption	$191,000	$382,000
2023		$151,000	$302,000
2022	$2,044.00

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

Flood

FEMA maps place 10879 Polk St in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

Wildfire risk around 10879 Polk St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	100 / 10
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Michwave Technologies, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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