312 E Central Ave, Zeeland, MI 49464 Property Records

Ottawa County property record for 312 E Central Ave, Zeeland, MI 49464

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,966 sqft · built 1900
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Jan 2009)
Tax Bill	$4,094 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-17-19-130-032`

Property Details

APN / Parcel Number

Primary APN	`70-17-19-130-032`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,966 sqft Living Area
Gross Area	2,300 sqft
1st Floor Area	2,036 sqft
Basement Area	1,516 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,496 sqft (0.218 acres)
Lot Dimensions	158 ft deep x 60 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	312 E CENTRAL AVE
City	ZEELAND
State	MI
Zip	49464-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 178 ZEELAND ASSESSOR'S PLAT NO 1
Legal Range	14W
Legal Township	5N
Legal Section	19
Legal Subdivision	S PLAT
Legal Block	130
Legal Lot Number	178
Jurisdiction	OTTAWA MI
Township / Civil Division	ZEELAND
Census Block Group	4
Census Block	4019
Census Tract	22900

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	Individual Name on Record
Mailing Address	312 E CENTRAL AVE, ZEELAND, MI 49464-1706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARBOR FINANCIAL CU
Aug 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2009 · Amount on Record
Deed Sale	Jan 9, 2009 · Amount on Record
Deed Book / Page	5764 / 586
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	312 E CENTRAL AVE, ZEELAND, MI 49464-1706
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 E CENTRAL AVE, ZEELAND, MI 49464-1706

Mortgage

Document Number	20230010749
Date	May 2, 2023
Instrument	2023-0010749

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2033

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	312 E CENTRAL AVE, ZEELAND, MI 49464-1706
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180028075
Date	Aug 9, 2018
Instrument	2018-0028075

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48641

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	312 E CENTRAL AVE, ZEELAND, MI 49464-1706
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210034963
Date	Jul 7, 2021
Instrument	2021-0034963

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

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		$298,400 (+109.7%)	$596,800 (+109.7%)
2025	$4,094.00 (+42.8%)
2023		$142,300	$284,600
2022	$2,867.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% 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	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 230 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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