13651 Duncan St, Holland, MI 49424 Property Records

Ottawa County property record for 13651 Duncan St, Holland, MI 49424

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,555 sqft · built 2003
Lot Size	0.183 acres (7,971 sqft)
Owner	2 Individual Names on File
Last Sale	$27,982 (Aug 2003)
Tax Bill	$2,036 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-16-07-285-034`

Property Details

APN / Parcel Number

Primary APN	`70-16-07-285-034`

Interior

Full Baths	2 Baths
Building Area	1,555 sqft Living Area
1st Floor Area	864 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,971 sqft (0.183 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13651 DUNCAN ST
City	HOLLAND
State	MI
Zip	49424-7440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2A
Legal Description	THAT PART OF LOT 3 COM NW COR SD LOT, TH S 88D 40M 04S E 6002 FT, S 1324 FT, N 88D 39M 45S W 6002 FT, TH N 13239 FT TO BEG BLUE GATE FIELDS
Legal Range	16W
Legal Township	7N
Legal Section	07
Legal Subdivision	PLAT OF BLUE GATE FIELDS
Legal Block	285
Legal Lot Number	3
Jurisdiction	OTTAWA MI
Township / Civil Division	HOLLAND
Census Block Group	3
Census Block	3011
Census Tract	23102

Owner

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	2 Individual Names on File
Mailing Address	13651 DUNCAN ST, HOLLAND, MI 49424-7440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CREDIT UNION
Oct 5, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2003 · Amount on File
Deed Sale	Aug 13, 2003 · Amount on File
Deed Book / Page	4192 / 681
Prior Transfer Date	Jul 31, 2003
Prior Transfer Doc	4192000679
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Apr 16, 2026
Property Address	13651 DUNCAN ST, HOLLAND, MI 49424-7440
Document Number	0000010874
Instrument Date	Apr 10, 2026
Instrument	202610874
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13651 DUNCAN ST, HOLLAND, MI 49424-7440

Mortgage

Document Number	0000010874,
Date	Apr 16, 2026
Instrument	202610874

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2056

Interest

Rate	6.11%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	13651 DUNCAN ST, HOLLAND, MI 49424-7440
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13651 DUNCAN ST, HOLLAND, MI 49424-7440

Mortgage

Document Number	20220034985
Date	Oct 5, 2022
Instrument	2022-0034985

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	212 Months
Due	Jun 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
County Subdivision	Holland Charter Township
Unified School District	West Ottawa Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,000 (+5.94%)	$314,000 (+5.94%)
2025	$2,036.00 (+8.01%) Homeowner's exemption	$148,200 (+36.84%)	$296,400 (+36.84%)
2023		$108,300	$216,600
2022	$1,885.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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	Direct burnable vegetation

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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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