109 E 23rd St, Holland, MI 49423 Property Records

Ottawa County property record for 109 E 23rd St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,183 sqft · built 1923
Lot Size	0.127 acres (5,532 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Sep 2022)
Tax Bill	$4,159 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-16-32-258-015`

Property Details

APN / Parcel Number

Primary APN	`70-16-32-258-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,183 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Lot Area	5,532 sqft (0.127 acres)
Lot Dimensions	132 ft deep x 42 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 E 23RD ST
City	HOLLAND
State	MI
Zip	49423-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Description	E 425 FT OF S 1/2 OF LOT 9 AC VAN RAALTE'S ADD NO 2 SEC 32 T5N R15W
Legal Range	15W
Legal Township	05N
Legal Section	32
Legal Subdivision	AC VAN RAALTES ADD
Legal Block	258
Legal Lot Number	9
Jurisdiction	OTTAWA MI
Township / Civil Division	HOLLAND
Census Block Group	5
Census Block	5001
Census Tract	25700

Owner

109 E 23rd St is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 E 23RD ST, HOLLAND, MI 49423-4816
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
Sep 18, 2025	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED FCU
Jul 9, 2018	Warranty Deed, Transfer CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Jul 9, 2018 · Amount on File
Deed Document Number	202234378
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	109 E 23RD ST, HOLLAND, MI 49423-4816
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E 23RD ST, HOLLAND, MI 49423-4815

Mortgage

Document Number	20250025828
Date	Sep 18, 2025
Instrument	2025-0025828

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 29, 2022
Property Address	109 E 23RD ST, HOLLAND, MI 49423-4816
Document Number	20220034378
Map Reference	LB 1 PG 19
Instrument Date	Sep 19, 2022
Instrument	2022-0034378
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 E 23RD ST, 109, HOLLAND, MI 49423-4816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E 23RD ST, HOLLAND, MI 49423-4816

Mortgage

Document Number	20220034379
Date	Sep 29, 2022
Instrument	2022-0034379

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	9.25%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jul 9, 2018
Property Address	109 E 23RD ST, HOLLAND, MI 49423-4816
Document Number	20180023891
Map Reference	LB1 PG19
Instrument Date	Jul 5, 2018
Instrument	2018-0023891
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 E 23RD ST, 109, HOLLAND, MI 49423-4816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E 23RD ST, HOLLAND, MI 49423-4816

Tax Assessment & Valuation

The 2025 property tax bill for 109 E 23rd St was $4,159 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa 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		$131,500	$263,000
2025	$4,159.00
2023		$90,700	$181,400
2022	$2,785.00

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.

Flood

FEMA maps place 109 E 23rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 109 E 23rd St 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 98% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 421 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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