420 Howard Ave, Grand Haven, MI 49417 Property Records

Ottawa County property record for 420 Howard Ave, Grand Haven, MI 49417

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,776 sqft · built 1989
Lot Size	0.418 acres (18,208 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Nov 2025)
Tax Bill	$9,547 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-20-485-009`

Property Details

APN / Parcel Number

Primary APN	`70-03-20-485-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,776 sqft Living Area
1st Floor Area	1,604 sqft
Basement Area	1,426 sqft
Unfinished Basement	1,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Lot Area	18,208 sqft (0.418 acres)
Lot Dimensions	170 ft deep x 107 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 HOWARD AVE
City	GRAND HAVEN
State	MI
Zip	49417-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 & W 41 FT LOT 5 BLK 21 AKELEY'S ADD
Legal Range	16W
Legal Township	8N
Legal Section	20
Legal Subdivision	AKELEYS ADD
Legal Block	21
Legal Lot Number	4-5
Jurisdiction	OTTAWA MI
Township / Civil Division	GRAND HAVEN
Census Block Group	2
Census Block	2004
Census Tract	21000

Owner

420 Howard Ave is owned and occupied by two individuals who bought it in November 2025.

Source: Ottawa County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	627 FULTON AVE, GRAND HAVEN, MI 49417-1237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Jun 1, 2020	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Feb 10, 2025	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Nov 26, 2025	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Prior Sale	Jun 29, 2010 · Amount on File
Deed Document Number	202533661
Prior Transfer Date	Dec 23, 2003
Prior Transfer Doc	4388000216
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170002089
Date	Jan 18, 2017
Instrument	2017-0002089

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200021145
Date	Jun 1, 2020
Instrument	2020-0021145

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811

Mortgage

Document Number	20250003137
Date	Feb 10, 2025
Instrument	2025-0003137

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	18 Months
Due	Aug 15, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 26, 2025
Property Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811
Document Number	20250033661
Map Reference	LB 1 PG 58
Instrument Date	Nov 25, 2025
Instrument	2025-0033661
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 HOWARD AVE, GRAND HAVEN, MI 49417-1811

Mortgage

Document Number	20250033662
Date	Nov 26, 2025
Instrument	2025-0033662

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 420 Howard Ave was $9,547 with a homeowner's exemption, up 5.4% from the year before.

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		$488,600 (+3.89%)	$977,200 (+3.89%)
2025	$9,547.00 (+5.39%) Homeowner's exemption	$470,300	$940,600
2024	$9,059.00
2023		$414,600	$829,200
2022	$9,062.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 420 Howard Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 420 Howard Ave is low, with a 0.01% annual chance of 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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