644 E 12th St, Holland, MI 49423 Property Records

Ottawa County property record for 644 E 12th St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,580 sqft · built 1989
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Sep 2006)
Tax Bill	$3,895 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-16-28-476-002`

Property Details

APN / Parcel Number

Primary APN	`70-16-28-476-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,580 sqft Living Area
1st Floor Area	2,580 sqft
Basement Area	2,580 sqft
Unfinished Basement	2,580 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 E 12TH ST
City	HOLLAND
State	MI
Zip	49423-3727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	LOTS 176 & 177 WAVERLY HEIGHTS SUB SEC 28 T5N R15W
Legal Range	15W
Legal Township	05N
Legal Section	28
Legal Subdivision	WAVERLY HEIGHTS SUB
Legal Block	476
Legal Lot Number	176-177
Jurisdiction	OTTAWA MI
Township / Civil Division	HOLLAND
Census Block Group	3
Census Block	3015
Census Tract	25200

Owner

Source: Ottawa County records, as of October 12, 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	644 E 12TH ST, HOLLAND, MI 49423-3727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MACATAWA BANK
Aug 9, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage MACATAWA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2006 · Amount on Record
Deed Sale	Sep 19, 2006 · Amount on Record
Prior Sale	Oct 30, 2001 · Amount on Record
Deed Book / Page	5266 / 460
Last Transfer Date	Aug 1, 2019
Transfer Doc	20190027346
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	644 E 12TH ST, HOLLAND, MI 49423-3727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200046102
Date	Oct 20, 2020
Instrument	2020-0046102

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

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

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Aug 9, 2019
Property Address	644 E 12TH ST, HOLLAND, MI 49423-3727
Document Number	20190027346
Map Reference	LB 8 PG 51
Instrument Date	Aug 1, 2019
Instrument	2019-0027346
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	642 E 12TH ST # 644, 644, HOLLAND, MI 49423-3727

Mortgage

Document Number	20190027347
Date	Aug 9, 2019
Instrument	2019-0027347

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa 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		$221,000 (+5.59%)	$442,000 (+5.59%)
2025	$3,895.00 (+15.85%) Homeowner's exemption	$209,300 (+23.05%)	$418,600 (+23.05%)
2023		$170,100	$340,200
2022	$3,362.00

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 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 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1982 · rainfall accumulation

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	Not rated no burnable land within 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 TOWNSHIP CONSOLIDATED serves 26,100 people · EPA ID MI0003195
Water Source	Purchased surface water from WYOMING
Last State Inspection	Feb 2025
Lead	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum.

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