Ottawa County property record for 12196 White Pine Dr, Allendale, MI 49401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,052 sqft · built 1995 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $420,000 (Jul 2023) |
| Tax Bill | $7,424 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-09-15-351-003 |
| Primary APN | 70-09-15-351-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,052 sqft Living Area |
| 1st Floor Area | 2,038 sqft |
| Basement Area | 2,038 sqft |
| Finished Basement | 1,019 sqft |
| Unfinished Basement | 2,038 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 43,124 sqft (0.99 acres) |
| Lot Width | 152 ft Width |
| Garage Area | 1,030 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 12196 WHITE PINE DR |
|---|---|
| City | ALLENDALE |
| State | MI |
| Zip | 49401-9602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 WHISPERING PINE RIDGE |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | PINE RIDGE |
| Legal Block | 351 |
| Legal Lot Number | 8 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | ALLENDALE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 24300 |
Source: Ottawa County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12196 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 5, 2018 | Warranty Deed, Transfer · ARM LAKE MICHIGAN CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2023 · Amount on Record |
| Deed Sale | Jul 25, 2023 · Amount on Record |
| Deed Document Number | 202318246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 12196 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 12196 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 20260008397 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 2026-0008397 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 25, 2023 |
| Property Address | 12196 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 20230018246 |
| Map Reference | LB 31 PG 79 |
| Instrument Date | Jul 17, 2023 |
| Instrument | 2023-0018246 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12196 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Name | Verified Name |
|---|---|
| Address | 4040 KALAMAZOO AVE SE, GRAND RAPIDS, MI 49508-3603 |
| Document Number | 20230018247 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 2023-0018247 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Mar 5, 2018 |
| Property Address | 12196 WHITE PINE DR, ALLENDALE, MI 49401-9602 |
| Document Number | 20180007393 |
| Map Reference | LB31 PG79 |
| Instrument Date | Feb 20, 2018 |
| Instrument | 2018-0007393 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12196 WHITE PINE DR, 12196, ALLENDALE, MI 49401-9602 |
| Name | Verified Name |
|---|---|
| Address | 1284 VALLEYVIEW CT NW, GRAND RAPIDS, MI 49544-8212 |
| Document Number | 20180007394 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 2018-0007394 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.86% |
| Type Change Date | Mar 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.86% |
| Index | 1-Year LIBOR |
| Max Rate | 8.86% |
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 | $246,200 (+8.6%) | $492,400 (+8.6%) | |
| 2025 | $7,424.00 (+40.85%) Homeowner's exemption | $226,700 (+12.56%) | $453,400 (+12.56%) |
| 2023 | $201,400 | $402,800 | |
| 2022 | $5,271.00 |
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.
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.
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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