638 Cedar Square St, Holland, MI 49423 Property Records

Allegan County property record for 638 Cedar Square St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,405 sqft · built 2003
Lot Size	0.145 acres (6,316 sqft)
Owner	Individual Name on Record
Last Sale	$427,500 (Feb 2024)
Tax Bill	$8,214 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-06-304-005`

Property Details

APN / Parcel Number

Primary APN	`53-02-06-304-005`
Alternative APN	`03-53-02-06-304-005`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,405 sqft Living Area
1st Floor Area	1,368 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 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	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	638 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 16, COBBLESTONE PLAT SEC 6 T4N R15W
Legal Range	15W
Legal Township	04N
Legal Section	06
Legal Subdivision	COBBLESTONE
Legal Lot Number	16
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	Individual Name on Record
Mailing Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage AAC CU
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2024 · Amount on Record
Deed Sale	Feb 21, 2024 · Amount on Record
Prior Sale	Jan 7, 2022 · Amount on Record
Deed Document Number	20242211
Deed Book / Page	4921 / 843
Prior Transfer Date	Apr 15, 2010
Prior Transfer Doc	3413/427
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 21, 2024
Property Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	004921/843
Book / Page	4921 / 843
Map Reference	LB 15 PG 35
Instrument Date	Feb 16, 2024
Instrument	2024002211
Transaction Type	Transfer
Record Updated	Mar 4, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,206.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

Mortgage

Document Number	2024002212
Date	Feb 21, 2024
Instrument	2024002212

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

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

Interest

Index	1-Year LIBOR

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004216/255
Date	Jan 24, 2018
Book Page	4216/255
Instrument	4216-255

Lender

Name	AAC CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004451/842
Date	Apr 20, 2020
Book Page	4451/842

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jan 7, 2022
Property Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	004717/284
Book / Page	4717 / 284
Map Reference	LB 15 PG 35
Instrument Date	Jan 4, 2022
Instrument	2022000595
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,681.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	638 CEDAR SQUARE ST, 638, HOLLAND, MI 49423-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

Mortgage

Document Number	0004717287
Date	Jan 7, 2022
Instrument	4717/287

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$201,600 (+28.57%) Land $23,400 Building $178,200	$403,200 (+28.57%) Land $46,800 Building $356,400
2025	$8,214.00
2023		$156,800 Land $17,900 Building $138,900	$313,600 Land $35,800 Building $277,800

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
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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Holland City Fiber, Xfinity.

Nearby Properties on Cedar Square St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures