Ottawa County property record for 515 Howard Ave, Grand Haven, MI 49417
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,400 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,519 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-20-484-018 |
| Primary APN | 70-03-20-484-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 860 sqft |
| Basement Area | 860 sqft |
| Unfinished Basement | 860 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 515 HOWARD AVE |
|---|---|
| City | GRAND HAVEN |
| State | MI |
| Zip | 49417-1844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 BLK 19 AKELEY'S ADD |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 20 |
| Legal Subdivision | AKELEYS ADD |
| Legal Block | 19 |
| Legal Lot Number | 13 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | GRAND HAVEN |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 20900 |
515 Howard Ave is owned and occupied by an individual who acquired it in May 2010.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 HOWARD AVE, GRAND HAVEN, MI 49417-1844 |
| 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 |
|---|---|
| Jan 8, 2024 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| May 12, 2020 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2010 |
| Deed Sale | May 11, 2010 |
| Deed Document Number | 201017840 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 515 HOWARD AVE, GRAND HAVEN, MI 49417-1844 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 515 HOWARD AVE 515, 515, GRAND HAVEN, MI 49417-1844 |
| Document Number | 20240000575 |
|---|---|
| Date | Jan 8, 2024 |
| Instrument | 2024-0000575 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 29, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 515 HOWARD AVE, GRAND HAVEN, MI 49417-1844 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 20200018145 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 2020-0018145 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 515 Howard Ave was $3,519 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 | $283,300 (+4.38%) | $566,600 (+4.38%) | |
| 2025 | $3,519.00 Homeowner's exemption | $271,400 | $542,800 |
| 2023 | $235,200 | $470,400 | |
| 2022 | $3,340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 Howard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2014 · other causes |
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 515 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 |
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 523 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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