Ottawa County property record for 10897 Circle Way, Allendale, MI 49401
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,140 sqft · built 2012 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Feb 2020) |
| Tax Bill | $4,639 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Aug 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-09-25-250-003 |
| Primary APN | 70-09-25-250-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Condo/Apartment |
| Lot Area | 8,799 sqft (0.202 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10897 CIRCLE WAY |
|---|---|
| City | ALLENDALE |
| State | MI |
| Zip | 49401-8053 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 30 WINDING CREEK CIRCLE, AS AMENDED, MASTER DEED RECORDED IN OTTAWA COUNTY REGISTER OF DEEDS LIBER 4679 PAGE 48, CONDO SUB NO 397 SEC 25 T7N R14W |
| Legal Range | 14W |
| Legal Township | 07N |
| Legal Section | 25 |
| Legal Subdivision | WINDING CREEK CIR |
| Legal Block | 250 |
| Legal Unit | 30 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | ALLENDALE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 24401 |
10897 Circle Way, a condominium, is owned and occupied by an individual who bought it in February 2020.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Aug 29, 2023 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA |
| Feb 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE 1 INC |
| Jun 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA |
| Jul 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA |
| Feb 26, 2020 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2020 · Amount on File |
| Deed Sale | Feb 26, 2020 · Amount on File |
| Prior Sale | Jul 31, 2012 · Amount on File |
| Deed Document Number | 20207230 |
| Prior Transfer Date | Jan 11, 2013 |
| Prior Transfer Doc | 20130002853 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 16, 2026 |
| Property Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Document Number | 0000017944 |
| Instrument Date | May 14, 2026 |
| Instrument | 202617944 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Document Number | 0000017944, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 202617944 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 284 Months |
| Due | Feb 1, 2050 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Document Number | 20230021560 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 2023-0021560 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | GLEN ALLEN, VA 23059 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | SUN TITLE |
| Name | Verified Name |
|---|
| Document Number | 20200006488 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 2020-0006488 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Document Number | 20220022525 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 2022-0022525 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | GLEN ALLEN, VA 23059 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Document Number | 20210037969 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 2021-0037969 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | GLEN ALLEN, VA 23059 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 26, 2020 |
| Property Address | 10897 CIRCLE WAY, ALLENDALE, MI 49401-8053 |
| Document Number | 20200007230 |
| Map Reference | LB 4679 PG 48 |
| Instrument Date | Jan 30, 2020 |
| Instrument | 2020-0007230 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,935.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3482 EAGLES ROOST TRL, 3482, HUDSONVILLE, MI 49426-7371 |
| Name | Verified Name |
|---|---|
| Address | 3704 ILLINOIS AVE SW, WYOMING, MI 49509-3966 |
The 2025 property tax bill for 10897 Circle Way was $4,639 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| County Subdivision | Allendale Charter Township |
| Unified School District | Allendale Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $181,900 (+10.31%) | $363,800 (+10.31%) | |
| 2025 | $4,639.00 Homeowner's exemption | $164,900 | $329,800 |
| 2023 | $129,200 | $258,400 | |
| 2022 | $3,849.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10897 Circle Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 20, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 10897 Circle Way 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 97% of the US · lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ALLENDALE TOWNSHIP serves 19,725 people · EPA ID MI0000127 |
|---|---|
| Water Source | Purchased surface water from GRAND RAPIDS |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2024) 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 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Acentek Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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