637 Cedar Square St, Holland, MI 49423 Property Records

Allegan County property record for 637 Cedar Square St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,885 sqft · built 2003
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,000 (Jan 2017)
Tax Bill	$7,390 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-06-303-005`

Property Details

APN / Parcel Number

Primary APN	`53-02-06-303-005`
Alternative APN	`03-53-02-06-303-005`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,885 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	115 ft deep x 55 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	637 CEDAR SQUARE ST
City	HOLLAND
State	MI
Zip	49423-8847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 3, COBBLESTONE PLAT SEC 6 T4N R15W
Legal Range	15W
Legal Township	04N
Legal Section	06
Legal Subdivision	COBBLESTONE
Legal Lot Number	3
Jurisdiction	ALLEGAN MI
Township / Civil Division	HOLLAND
Census Block Group	2
Census Block	2001
Census Tract	32200

Owner

Source: Allegan County records, as of September 9, 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	637 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 5, 2017	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2017 · Amount on Record
Deed Sale	Jan 5, 2017 · Amount on Record
Prior Sale	Sep 18, 2014 · Amount on Record
Deed Book / Page	4102 / 966
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	637 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

Mortgage

Document Number	004866/914
Date	Jun 26, 2023
Book Page	4866/914
Instrument	2023009231

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	637 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4443/356
Date	Mar 25, 2020
Book Page	4443/356

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 5, 2017
Property Address	637 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	4102/966
Book / Page	4102 / 966
Map Reference	LB15 PG35
Instrument Date	Dec 29, 2016
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	637 CEDAR SQUARE ST, 637, HOLLAND, MI 49423-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

Mortgage

Document Number	4102/968
Date	Jan 5, 2017
Book Page	4102/968

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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		$254,700 (+27.61%) Land $23,400 Building $231,300	$509,400 (+27.61%) Land $46,800 Building $462,600
2025	$7,390.00
2023		$199,600 Land $17,900 Building $181,700	$399,200 Land $35,800 Building $363,400

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

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2009–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2025 · 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

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 155 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Spectrum.

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