396 Howard Ave, Grand Haven, MI 49417 Property Records

Ottawa County property record for 396 Howard Ave, Grand Haven, MI 49417

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,083 sqft · built 1895
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Tax Bill	$2,753 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-20-485-013`

Property Details

APN / Parcel Number

Primary APN	`70-03-20-485-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,083 sqft Living Area
1st Floor Area	1,470 sqft
Basement Area	252 sqft
Unfinished Basement	252 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	396 HOWARD AVE
City	GRAND HAVEN
State	MI
Zip	49417-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF LOT 2, 3, 4 AND VAC 4TH ST, COM 33 FT N 68D 19M 40S W OF NW COR LOT 1 AKELEY'S ADD, TH N 68D 19M 40S W 33 FT, S 68D 15M 50S W 26 FT, S 24D 49M 30S W 551 FT, S 06D46M40S W 6945 FT, S 68D19M40S E 3707 FT, TH N 21D40M20S E 140 FT TO BEG LEGGATS
Legal Range	16W
Legal Township	8N
Legal Section	20
Legal Subdivision	LEGGATS ADD
Legal Block	485
Legal Lot Number	1-4
Jurisdiction	OTTAWA MI
Township / Civil Division	GRAND HAVEN
Census Block Group	2
Census Block	2004
Census Tract	21000

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	396 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Dec 3, 2018	Intrafamily Transfer, Transfer · ARM CHEMICAL BANK
Dec 3, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 28, 2018
Transfer Doc	20180042668
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	396 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Transaction Type	Mortgage
Record Updated	Oct 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190034391
Date	Sep 25, 2019
Instrument	2019-0034391

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

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

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 3, 2018
Property Address	396 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Document Number	20180042668
Instrument Date	Nov 28, 2018
Instrument	2018-0042668
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	396 HOWARD AVE, 396, GRAND HAVEN, MI 49417-1811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 HOWARD AVE, GRAND HAVEN, MI 49417-1811

Mortgage

Document Number	20180042669
Date	Dec 3, 2018
Instrument	2018-0042669

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	9.62%

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 3, 2018
Property Address	396 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Document Number	20180042667
Instrument Date	Nov 28, 2018
Instrument	2018-0042667
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	833 APPLE BLOSSOM LN, 833, HOLLAND, MI 49423-7347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 HOWARD AVE, GRAND HAVEN, MI 49417-1811

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		$232,900 (+3.28%)	$465,800 (+3.28%)
2025	$2,753.00 (+5.36%) Homeowner's exemption	$225,500 (+14.18%)	$451,000 (+14.18%)
2023		$197,500	$395,000
2022	$2,613.00

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 Policies	3 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 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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