10892 Pine Cone Ct, West Olive, MI 49460 Property Records

Ottawa County property record for 10892 Pine Cone Ct, West Olive, MI 49460

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,320 sqft · built 2014
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on File
Last Sale	$259,900 (May 2017)
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-12-02-131-014`

Property Details

APN / Parcel Number

Primary APN	`70-12-02-131-014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,320 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Condo/Apartment
Lot Area	11,979 sqft (0.275 acres)
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10892 PINE CONE CT
City	WEST OLIVE
State	MI
Zip	49460-8308
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 18 PINE MEADOWS CONDOMINIUM, AS AMENDED, AS RECORDED IN MASTER DEED LIBER 4650 PAGES 84-150 OTTAWA COUNTY CONDO PLAN NO 392 SEC 2 T6N R15W
Legal Range	15W
Legal Township	06N
Legal Section	02
Legal Subdivision	PINE MEADOWS CONDOMINIUM
Legal Block	131
Legal Unit	18
Jurisdiction	OTTAWA MI
Township / Civil Division	OLIVE
Census Block Group	2
Census Block	2002
Census Tract	22001

Owner

10892 Pine Cone Ct, a condominium, is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	10892 PINE CONE CT, WEST OLIVE, MI 49460-8308
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
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage POLARIS HOME FUNDING CORP
May 15, 2017	Warranty Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2017 · Amount on File
Deed Sale	May 15, 2017 · Amount on File
Prior Sale	Oct 28, 2014 · Amount on File
Deed Document Number	201717168
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Jul 6, 2026
Property Address	10892 PINE CONE CT, WEST OLIVE, MI 49460-8308
Document Number	0000020154
Instrument Date	Jun 29, 2026
Instrument	202620154
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10892 PINE CONE CT, WEST OLIVE, MI 49460-8308

Mortgage

Document Number	0000020154,
Date	Jul 6, 2026
Instrument	202620154

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	10892 PINE CONE CT, WEST OLIVE, MI 49460-8308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200031416
Date	Jul 30, 2020
Instrument	2020-0031416

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company
Address	GRANDVILLE, MI 49418

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 15, 2017
Property Address	10892 PINE CONE CT, WEST OLIVE, MI 49460-8308
Document Number	20170017168
Instrument Date	May 9, 2017
Instrument	2017-0017168
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10892 PINE CONE CT, 10892, WEST OLIVE, MI 49460-8308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10892 PINE CONE CT, WEST OLIVE, MI 49460-8308

Mortgage

Document Number	20170017169
Date	May 15, 2017
Instrument	2017-0017169

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10892 Pine Cone Ct was $4,590 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		$238,400	$476,800
2025	$4,590.00
2023		$179,300	$358,600
2022	$3,935.00

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

Flood

FEMA maps place 10892 Pine Cone Ct 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 10892 Pine Cone Ct is low, with less than 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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 105 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

May also be available: Acentek, Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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