120 E 40th St, Holland, MI 49423 Property Records

Allegan County property record for 120 E 40th St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,904 sqft · built 2020
Lot Size	0.917 acres (39,945 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Jul 2026)
Tax Bill	$6,825 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-05-400-077`

Property Details

APN / Parcel Number

Primary APN	`53-02-05-400-077`
Alternative APN	`03-53-02-05-400-077`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,904 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Foundation Type	No Foundation
Lot Area	39,945 sqft (0.917 acres)
Lot Dimensions	74 ft deep x 37.3 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 E 40TH ST
City	HOLLAND
State	MI
Zip	49423-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	COMM E 1/4 COR SEC 5 TH N 89D 56M 00S W 1086.58 FT ALG E-W 1/4 LI SD SEC TH S 00D 12M 58S E 242.72 FT PAR E LI SD SEC TO POB; TH N 89D 56M 00S W 111.51 FT; TH S 00D 06M 36S E 184.28 FT PAR E LI NW 1/4 SE 1/4 SD SEC; TH S 89D 56M 00S E 336.07; TH N 00
Legal Range	15W
Legal Township	04N
Legal Section	05
Jurisdiction	ALLEGAN MI
Township / Civil Division	HOLLAND
Census Block Group	4
Census Block	4006
Census Tract	32200

Owner

120 E 40th St is owned and occupied by two individuals who bought it in July 2026.

Source: Allegan County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 E 40TH ST, HOLLAND, MI 49423-5207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 15, 2026	Warranty Deed, Transfer · Conventional Mortgage DART BANK
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Sep 17, 2020	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND HOME MORTGAGE
Sep 17, 2020	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	202611903
Deed Book / Page	5156 / 503
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 15, 2026
Property Address	120 E 40TH ST, HOLLAND, MI 49423-5207
Document Number	0000011903
Book / Page	5156 / 503
Instrument Date	Jul 14, 2026
Instrument	202611903
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$338,667.14
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E 40TH ST, HOLLAND, MI 49423-5207

Mortgage

Document Number	0000011904,
Date	Jul 15, 2026
Instrument	202611904

Lender

Name	DART BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	120 E 40TH ST, HOLLAND, MI 49423-5207
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E 40TH ST, HOLLAND, MI 49423-5207

Mortgage

Document Number	004926/680
Date	Mar 15, 2024
Book Page	4926/680
Instrument	2024003250

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 17, 2020
Property Address	120 E 40TH ST, HOLLAND, MI 49423-5207
Document Number	004511/439
Book / Page	4511 / 439
Instrument Date	Aug 28, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6187 147TH AVE, 6187, HOLLAND, MI 49423-8986

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E 40TH ST, HOLLAND, MI 49423-5207

Mortgage

Document Number	0004511444
Date	Sep 17, 2020
Instrument	4511/444

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 17, 2020
Property Address	120 E 40TH ST, HOLLAND, MI 49423-5207
Document Number	004511/439
Book / Page	4511 / 439
Instrument Date	Aug 28, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6187 147TH AVE, 6187, HOLLAND, MI 49423-8986

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E 40TH ST, HOLLAND, MI 49423-5207

Mortgage

Document Number	0004511444
Date	Sep 17, 2020
Instrument	4511/444

Lender

Name	HEARTLAND HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 120 E 40th St was $6,825 with a homeowner's exemption, up 2.9% from the year before.

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		$177,900 (-10.6%) Land $52,800 Building $125,100	$355,800 (-10.6%) Land $105,600 Building $250,200
2025	$6,825.00 (+2.88%) Homeowner's exemption	$199,000 Land $46,200 Building $152,800	$398,000 Land $92,400 Building $305,600
2024	$6,634.00
2023		$176,900 Land $39,600 Building $137,300	$353,800 Land $79,200 Building $274,600

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 120 E 40th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

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

The area around 120 E 40th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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 340 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

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

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