Ottawa County property record for 428 Monroe Ave, Grand Haven, MI 49417
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,542 sqft · built 1880 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Oct 2024) |
| Tax Bill | $4,549 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-21-157-004 |
| Primary APN | 70-03-21-157-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,542 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 132 ft deep x 33 ft wide |
| Heating System | Hot Water |
|---|
| Street Address | 428 MONROE AVE |
|---|---|
| City | GRAND HAVEN |
| State | MI |
| Zip | 49417-1061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 1/2 OF LOT 5 BLK 3 BOLTWOODS ADD |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 21 |
| Legal Subdivision | BOLTWOODS ADD |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | GRAND HAVEN |
| Census Block Group | 5 |
| Census Block | 5026 |
| Census Tract | 20900 |
428 Monroe Ave is owned and occupied by an individual who bought it in October 2024.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 MONROE AVE, GRAND HAVEN, MI 49417-1061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 6, 2018 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2024 · Amount on File |
| Deed Sale | Oct 25, 2024 · Amount on File |
| Prior Sale | Jul 6, 2018 · Amount on File |
| Deed Document Number | 202428033 |
| Prior Transfer Date | Apr 15, 2004 |
| Prior Transfer Doc | 4490000908 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 428 MONROE AVE, GRAND HAVEN, MI 49417-1061 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 428 MONROE AVE, GRAND HAVEN, MI 49417-1061 |
| Document Number | 20240002997 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 2024-0002997 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 6, 2018 |
| Property Address | 428 MONROE AVE, GRAND HAVEN, MI 49417-1061 |
| Document Number | 20180023669 |
| Map Reference | LB1 PG66 |
| Instrument Date | Jun 26, 2018 |
| Instrument | 2018-0023669 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,634.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 944 PENNOYER AVE, 944, GRAND HAVEN, MI 49417-1932 |
| Name | Verified Name |
|---|---|
| Address | 428 MONROE AVE, GRAND HAVEN, MI 49417-1061 |
| Document Number | 20180023670 |
|---|---|
| Date | Jul 6, 2018 |
| Instrument | 2018-0023670 |
| Name | FIFTH THIRD MORTGAGE MICHIGAN LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 428 Monroe Ave was $4,549 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| Municipality | Grand Haven City |
| Unified School District | Grand Haven Area Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $132,800 | $265,600 | |
| 2025 | $4,549.00 | ||
| 2023 | $115,000 | $230,000 | |
| 2022 | $3,118.00 |
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.
FEMA maps place 428 Monroe 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 | 7 units insured incl. 7 condo units |
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 risk around 428 Monroe 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 408 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Surf Internet, Verizon.
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