Ottawa County property record for 28 E 23rd St, Holland, MI 49423
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,133 sqft · built 1916 |
| Lot Size | 0.145 acres (6,316 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Apr 2026) |
| Tax Bill | $3,250 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Aug 2011 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-16-32-259-005 |
| Primary APN | 70-16-32-259-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,133 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Lot Area | 6,316 sqft (0.145 acres) |
| Lot Dimensions | 132 ft deep x 48 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 28 E 23RD ST |
|---|---|
| City | HOLLAND |
| State | MI |
| Zip | 49423-4814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TNR |
| Legal Description | E 48 FT OF W 96 FT OF N 132 FT OF THAT PART OF LOT 13 LYING BETWEEN 23RD & 24TH STS & W OF STATE ST AC VAN RAALTE'S ADD NO 2 SEC 32 T5N R15W |
| Legal Range | 15W |
| Legal Township | 05N |
| Legal Section | 32 |
| Legal Subdivision | AC VAN RAALTES ADD |
| Legal Block | 259 |
| Legal Lot Number | 13 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | HOLLAND |
| Census Block Group | 6 |
| Census Block | 6001 |
| Census Tract | 25700 |
Source: Ottawa County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Dec 6, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Aug 24, 2011 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK WESTERN MICHIGAN |
| Aug 24, 2011 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Apr 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION |
| Apr 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION |
| Jun 20, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2026 · Amount on Record |
| Deed Sale | Apr 8, 2026 · Amount on Record |
| Prior Sale | Sep 25, 1991 · Amount on Record |
| Deed Document Number | 20269941 |
| Prior Transfer Date | Apr 6, 2026 |
| Prior Transfer Doc | 20260009941 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN ELS |
| Name | Verified Name |
|---|
| Document Number | 20190045700 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2019-0045700 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20110029384 |
|---|---|
| Date | Aug 24, 2011 |
| Instrument | 2011-0029384 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20110029385 |
|---|---|
| Date | Aug 24, 2011 |
| Instrument | 2011-0029385 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 8, 2026 |
| Property Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Document Number | 0000009941 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20269941 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $334,411.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Document Number | 0000009942, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 20269942 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 8, 2026 |
| Property Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Document Number | 20260009941 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20269941 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $334,411.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Document Number | 0000009942, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 20269942 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 20, 2019 |
| Property Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
| Document Number | 20190020383 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 2019-0020383 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 E 23RD ST, HOLLAND, MI 49423-4814 |
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| Municipality | Holland City |
| Unified School District | Holland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $211,000 (+13.62%) | $422,000 (+13.62%) | |
| 2025 | $3,250.00 (+15.86%) Homeowner's exemption | $185,700 (+15.85%) | $371,400 (+15.85%) |
| 2023 | $160,300 | $320,600 | |
| 2022 | $2,805.00 |
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 585 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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