325 Howard Ave, Grand Haven, MI 49417 Property Records

Ottawa County property record for 325 Howard Ave, Grand Haven, MI 49417

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 948 sqft · built 1954
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$2,565 (2025)
Deeds & Mortgages	Feb 2017 Reverse Mortgage Feb 2017 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-20-481-010`

Property Details

APN / Parcel Number

Primary APN	`70-03-20-481-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	948 sqft Living Area
1st Floor Area	948 sqft
Basement Area	948 sqft
Unfinished Basement	948 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	325 HOWARD AVE
City	GRAND HAVEN
State	MI
Zip	49417-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 312 ORIGINAL PLAT
Legal Range	16W
Legal Township	8N
Legal Section	20
Legal Subdivision	ORIGINAL PLAT
Legal Block	481
Legal Lot Number	312
Jurisdiction	OTTAWA MI
Township / Civil Division	GRAND HAVEN
Census Block Group	2
Census Block	2017
Census Tract	20900

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	325 HOWARD AVE, GRAND HAVEN, MI 49417-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2017	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 3, 2017	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	325 HOWARD AVE, GRAND HAVEN, MI 49417-1808
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170004339
Date	Feb 3, 2017
Instrument	2017-0004339

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	919 Months
Due	Aug 31, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.23%
Type Change Date	Feb 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	325 HOWARD AVE, GRAND HAVEN, MI 49417-1808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170004338
Date	Feb 3, 2017
Instrument	2017-0004338

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company
Address	RICHMOND, VA 23225

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	919 Months
Due	Aug 31, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.23%
Type Change Date	Feb 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
Municipality	Grand Haven City
Unified School District	Grand Haven Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$240,300 (+21%)	$480,600 (+21%)
2025	$2,565.00 (+5.38%)
2023		$198,600	$397,200
2022	$2,434.00

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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · other causes

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GRAND HAVEN serves 10,412 people · EPA ID MI0002750
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Mar 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 378 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Surf Internet, Verizon, Xfinity.

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