Ottawa County property record for 12189 White Pine Dr, Allendale, MI 49401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,965 sqft · built 2002 |
| Lot Size | 1 acres (43,691 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Sep 2026) |
| Tax Bill | $6,544 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-09-15-305-006 |
| Primary APN | 70-09-15-305-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,965 sqft Living Area |
| 1st Floor Area | 1,770 sqft |
| Basement Area | 1,770 sqft |
| Unfinished Basement | 1,770 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 43,691 sqft (1 acres) |
| Garage Area | 2,088 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12189 WHITE PINE DR |
|---|---|
| City | ALLENDALE |
| State | MI |
| Zip | 49401-9602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 WHISPERING PINE RIDGE |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | PINE RIDGE |
| Legal Block | 305 |
| Legal Lot Number | 15 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | ALLENDALE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 24300 |
12189 White Pine Dr is owned and occupied by two individuals who bought it in September 2026.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| Sep 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED FEDERAL CREDIT UNION |
| May 6, 2024 | Intrafamily Transfer, Transfer |
| Nov 2, 2020 | Deed of Trust, Mortgage · Line of Credit AAC CU |
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AAC CU |
| May 30, 2018 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Apr 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2026 · Amount on File |
| Deed Sale | Sep 29, 2026 · Amount on File |
| Prior Sale | Apr 18, 2018 · Amount on File |
| Deed Document Number | 202630323 |
| Prior Transfer Date | Sep 23, 2026 |
| Prior Transfer Doc | 0000030323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Sep 29, 2026 |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 0000030324 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 202630324 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2026 |
| Title Company | NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 5392 EAGLEPASS DR, HUDSONVILLE, MI 49426-9529 |
| Document Number | 0000030324, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 202630324 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Sep 29, 2026 |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 0000030323 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 202630323 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $499,445.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 0000030323, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 202630323 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | May 6, 2024 |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 20240010984 |
| Map Reference | LB 31 PG 79 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 2024-0010984 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20200048654 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 2020-0048654 |
| Name | AAC CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49534 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20200050227 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020-0050227 |
| Name | AAC CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180018725 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 2018-0018725 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 18, 2018 |
| Property Address | 12189 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 20180013276 |
| Map Reference | LB31 PG79 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2018-0013276 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,846.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2189 WAHITE PINE DR, 2189, ALLENDALE, MI 49401 |
| Name | Verified Name |
|---|---|
| Address | 4805 RAMBLING CREEK DR, NORTON SHORES, MI 49441-5297 |
| Document Number | 20180013277 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 2018-0013277 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 12189 White Pine Dr was $6,544 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 | $276,800 (+7.58%) | $553,600 (+7.58%) | |
| 2025 | $6,544.00 Homeowner's exemption | $257,300 | $514,600 |
| 2023 | $225,700 | $451,400 | |
| 2022 | $5,733.00 |
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.
FEMA maps place 12189 White Pine Dr 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 risk around 12189 White Pine Dr 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 63 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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