398 Howard Ave, Grand Haven, MI 49417 Property Records

Ottawa County property record for 398 Howard Ave, Grand Haven, MI 49417

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 804 sqft · built 1920
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on Record
Last Sale	$380,000 (Oct 2021)
Tax Bill	$7,316 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`70-03-20-485-004`

Property Details

APN / Parcel Number

Primary APN	`70-03-20-485-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	804 sqft Living Area
1st Floor Area	516 sqft
Basement Area	516 sqft
Unfinished Basement	516 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	277 ft deep x 33 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	398 HOWARD AVE
City	GRAND HAVEN
State	MI
Zip	49417-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE E 1/2 OF THAT PART OF SEC 20 T8 NR 16 W LYING S OF S LINE OF HOWARD ST BETWEEN THE W LINE OF LOT 1 BLK 21 OF AKELEY'S ADD & THE E LINES OF LOTS 1, 2, 3, 4 & 5 BLK 1 LEGGATS ADD
Legal Range	16W
Legal Township	8N
Legal Section	20
Legal Subdivision	LEGGATS ADD
Legal Block	1,21
Legal Lot Number	1-5
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 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	398 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN MORTGAGE SERVICES LLC
Oct 11, 2021	Warranty Deed, Transfer · Line of Credit FIRST WESTERN FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2021 · Amount on Record
Deed Sale	Oct 11, 2021 · Amount on Record
Prior Sale	Apr 6, 2016 · Amount on Record
Deed Document Number	202150813
Prior Transfer Date	Mar 11, 2016
Prior Transfer Doc	0000012610
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	398 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Transaction Type	Mortgage
Record Updated	Jun 19, 2023
Title Company	DEVON TITLE COMPANY, DEVON TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210003659
Date	Jan 21, 2021
Instrument	2021-0003659

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	GRANDVILLE, MI 49418

Agreement

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

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 11, 2021
Property Address	398 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Document Number	20210050813
Instrument Date	Oct 6, 2021
Instrument	2021-0050813
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	PREMIER LAKESHORE TTL AGCY L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 HOWARD AVE, GRAND HAVEN, MI 49417-1811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 HOWARD AVE, GRAND HAVEN, MI 49417-1811

Mortgage

Document Number	20210050814
Date	Oct 11, 2021
Instrument	2021-0050814

Lender

Name	FIRST WESTERN FSB
Type	Bank
Address	RAPID CITY, SD 57709

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

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		$167,000 (+3.02%)	$334,000 (+3.02%)
2025	$7,316.00 (+8.08%)	$162,100 (+17.46%)	$324,200 (+17.46%)
2023		$138,000	$276,000
2022	$6,769.00

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
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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