15 E Central Ave, Zeeland, MI 49464 Property Records

Ottawa County property record for 15 E Central Ave, Zeeland, MI 49464

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,348 sqft · built 1925
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Nov 2018)
Tax Bill	$7,431 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-17-19-101-033`

Property Details

APN / Parcel Number

Primary APN	`70-17-19-101-033`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,348 sqft Living Area
1st Floor Area	1,302 sqft
Basement Area	1,302 sqft
Unfinished Basement	1,302 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	792 sqft
Parking Spaces	3 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	15 E CENTRAL AVE
City	ZEELAND
State	MI
Zip	49464-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 26 ZEELAND ASSESSOR'S PLAT NO 1
Legal Range	14W
Legal Township	5N
Legal Section	19
Legal Subdivision	S PLAT
Legal Block	101
Legal Lot Number	26
Jurisdiction	OTTAWA MI
Township / Civil Division	ZEELAND
Census Block Group	4
Census Block	4015
Census Tract	22900

Owner

15 E Central Ave is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715
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 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Jul 8, 2019	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
Nov 5, 2018	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2018 · Amount on File
Deed Sale	Nov 5, 2018 · Amount on File
Prior Sale	Dec 2, 2013 · Amount on File
Deed Document Number	201839529
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	UNKNOWN, FT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715

Mortgage

Document Number	20250026679
Date	Sep 25, 2025
Instrument	2025-0026679

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715

Mortgage

Document Number	20220030501
Date	Aug 24, 2022
Instrument	2022-0030501

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	SUN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200008028
Date	Mar 2, 2020
Instrument	2020-0008028

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715
Transaction Type	Mortgage
Record Updated	Aug 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190022591
Date	Jul 8, 2019
Instrument	2019-0022591

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 5, 2018
Property Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715
Document Number	20180039529
Map Reference	LB23 PG4
Instrument Date	Nov 1, 2018
Instrument	2018-0039529
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHICAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 E CENTRAL AVE, 15, ZEELAND, MI 49464-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 E CENTRAL AVE, ZEELAND, MI 49464-1715

Mortgage

Document Number	20180039530
Date	Nov 5, 2018
Instrument	2018-0039530

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	44 Months
Due	Jul 26, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 15 E Central Ave was $7,431 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	Zeeland City
Unified School District	Zeeland Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$316,600	$633,200
2025	$7,431.00
2023		$225,800	$451,600
2022	$6,495.00

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

Flood

FEMA maps place 15 E Central Ave 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

The area around 15 E Central Ave 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	ZEELAND BOARD OF PUBLIC WORKS serves 8,328 people · EPA ID MI0007270
Water Source	Purchased surface water from HOLLAND BOARD OF PUBLIC WORKS
Last State Inspection	May 2022
Lead	Under 1 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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: Acentek.

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