294 E 12th St, Holland, MI 49423 Property Records

Ottawa County property record for 294 E 12th St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1953
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Oct 2021)
Tax Bill	$3,153 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-16-28-351-017`

Property Details

APN / Parcel Number

Primary APN	`70-16-28-351-017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	7,318 sqft (0.168 acres)
Lot Dimensions	132 ft deep x 55.5 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	294 E 12TH ST
City	HOLLAND
State	MI
Zip	49423-3611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Description	ALL THAT PART OF LOTS 7 & 8 BLK A, BEG AT A PT 16684 FT S & 283 FT W OF NE COR OF LOT 7 BLK A TH W 1145 FT M OR L TO PT 875
Legal Range	15W
Legal Township	05N
Legal Section	28
Legal Subdivision	ORIGINAL PLAT
Legal Block	A
Legal Lot Number	7-8
Jurisdiction	OTTAWA MI
Township / Civil Division	HOLLAND
Census Block Group	2
Census Block	2005
Census Tract	24901

Owner

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	294 E 12TH ST, HOLLAND, MI 49423-3611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Oct 14, 2021	Warranty Deed, Transfer · Line of Credit THE HUNTINGTON NATIONAL BANK
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Mar 19, 2019	Warranty Deed, Transfer · Second Mortgage (Down Payment) MICHIGAN STAT HSNG DEVELOPMENT AUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Mar 19, 2019 · Amount on Record
Deed Document Number	202151463
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	294 E 12TH ST, HOLLAND, MI 49423-3611
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 E 12TH ST, HOLLAND, MI 49423-3611

Mortgage

Document Number	20210051347
Date	Oct 13, 2021
Instrument	2021-0051347

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 14, 2021
Property Address	294 E 12TH ST, HOLLAND, MI 49423-3611
Document Number	20210051463
Instrument Date	Oct 1, 2021
Instrument	2021-0051463
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	PREMIER LAKESHORE TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,492.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	294 E 12TH ST, 294, HOLLAND, MI 49423-3611

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	294 E 12TH ST, HOLLAND, MI 49423-3611

Mortgage

Document Number	20210051497
Date	Oct 14, 2021
Instrument	2021-0051497

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	20210051345
Date	Oct 13, 2021
Instrument	2021-0051345

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	294 E 12TH ST, HOLLAND, MI 49423-3611
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200019040
Date	May 19, 2020
Instrument	2020-0019040

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 19, 2019
Property Address	294 E 12TH ST, HOLLAND, MI 49423-3611
Document Number	20190008051
Instrument Date	Mar 13, 2019
Instrument	2019-0008051
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,014.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	294 E 12TH ST, 294, HOLLAND, MI 49423-3611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 E 12TH ST, HOLLAND, MI 49423-3611

Mortgage

Document Number	20190008053
Date	Mar 19, 2019
Instrument	2019-0008053

Lender

Name	MICHIGAN STAT HSNG DEVELOPMENT AUTH
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

Mortgage

Document Number	20190008052
Date	Mar 19, 2019
Instrument	2019-0008052

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
Municipality	Holland City
Unified School District	Holland City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,600 (+19.21%)	$181,200 (+19.21%)
2025	$3,153.00 (+15.83%)
2023		$76,000	$152,000
2022	$2,722.00

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.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 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	None beyond 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	HOLLAND BOARD OF PUBLIC WORKS serves 49,687 people · EPA ID MI0003190
Water Source	Surface water
Last State Inspection	Sep 2024
Also Mapped Here	HOLLAND TOWNSHIP CONSOLIDATED
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jan 2018
Monitoring and Reporting	1 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 189 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
AT&T DSL	100 / 20

May also be available: Spectrum.

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