409 E 40th St, Holland, MI 49423 Property Records

Allegan County property record for 409 E 40th St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,394 sqft · built 1881
Lot Size	0.374 acres (16,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,500 (Dec 2023)
Tax Bill	$5,336 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-04-179-021`

Property Details

APN / Parcel Number

Primary APN	`53-02-04-179-021`
Alternative APN	`03-53-02-04-179-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,394 sqft Living Area
1st Floor Area	1,557 sqft
Basement Area	1,285 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Exterior Material	Brick
Foundation Type	Raised
Lot Area	16,291 sqft (0.374 acres)
Lot Dimensions	194 ft deep x 84 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E 40TH ST
City	HOLLAND
State	MI
Zip	49423-5344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	THE E 84.00 FT OF LOTS 29 AND 30, MAPLE HEIGHTS, BEING IN NW 1/4 OF SEC 4 T4N R15W. CITY OF HOLLAND.
Legal Range	15W
Legal Township	04N
Legal Section	04
Legal Subdivision	MAPLE HEIGHTS
Legal Lot Number	29-30
Jurisdiction	ALLEGAN MI
Township / Civil Division	HOLLAND
Census Block Group	1
Census Block	1005
Census Tract	32401

Owner

Source: Allegan County records, as of October 19, 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	409 E 40TH ST, HOLLAND, MI 49423-5344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
Jan 3, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 12, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
May 8, 2023	Warranty Deed, Transfer DENALI T&E AGCY INC
May 8, 2023	Intrafamily Transfer, Transfer DENALI T&E AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Prior Sale	May 8, 2023 · Amount on Record
Deed Document Number	202318106
Deed Book / Page	4908 / 328
Last Transfer Date	Dec 28, 2023
Transfer Doc	004912/684
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	Jul 22, 2026
Property Address	409 E 40TH ST, HOLLAND, MI 49423-5344
Document Number	0000012318
Book / Page	5158 / 813
Instrument Date	Jul 22, 2026
Instrument	202612318
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 104TH AVE, ZEELAND, MI 49464-1436

Mortgage

Document Number	0000012318,
Date	Jul 22, 2026
Book Page	5158/813
Instrument	202612318

Lender

Name	CHOICEONE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 3, 2024
Property Address	409 E 40TH ST, HOLLAND, MI 49423-5344
Document Number	004912/684
Book / Page	4912 / 684
Instrument Date	Dec 28, 2023
Instrument	2024000079
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E 40TH ST, HOLLAND, MI 49423-5344

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Dec 12, 2023
Property Address	409 E 40TH ST, HOLLAND, MI 49423-5344
Document Number	004908/328
Book / Page	4908 / 328
Map Reference	LB 7 PG 11
Instrument Date	Dec 5, 2023
Instrument	2023018106
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	NOT AVAILABLE, WEST EDGE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,456.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3457 ELDERWOOD AVE, HOLLAND, MI 49424-1122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E 40TH ST, HOLLAND, MI 49423-5344
Investor	Possibly a Property Investor

Mortgage

Document Number	2023018107
Date	Dec 12, 2023
Instrument	2023018107

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	May 8, 2023
Property Address	409 E 40TH ST, HOLLAND, MI 49423-5344
Document Number	004854/581
Book / Page	4854 / 581
Map Reference	LB 7 PG 11
Instrument Date	May 3, 2023
Instrument	2023006587
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	DENALI T&E AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 EAST 40TH STREET, GRANDVILLE, MI 49418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3457 ELDERWOOD AVE, HOLLAND, MI 49424-1122

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	May 8, 2023
Property Address	409 E 40TH ST, HOLLAND, MI 49423-5344
Document Number	004854/578
Book / Page	4854 / 578
Map Reference	LB 7 PG 11
Instrument Date	May 2, 2023
Instrument	2023006586
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	DENALI T&E AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 DUNLAP CIR, OXFORD, MI 48371-5206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E 40TH ST, HOLLAND, MI 49423-5344

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan 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		$165,300 (+17.32%) Land $23,200 Building $142,100	$330,600 (+17.32%) Land $46,400 Building $284,200
2025	$5,336.00 (+2.89%) Homeowner's exemption	$140,900 (+29.38%) Land $18,300 Building $122,600	$281,800 (+29.38%) Land $36,600 Building $245,200
2024	$5,186.00
2023		$108,900 Land $15,900 Building $93,000	$217,800 Land $31,800 Building $186,000

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 June 21, 2023 · 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	2 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 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	HOLLAND BOARD OF PUBLIC WORKS serves 49,687 people · EPA ID MI0003190
Water Source	Surface water
Last State Inspection	Sep 2024
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 116 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 · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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