648 Cedar Square St, Holland, MI 49423 Property Records

Allegan County property record for 648 Cedar Square St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,104 sqft · built 2002
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2022)
Tax Bill	$8,392 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-06-304-003`

Property Details

APN / Parcel Number

Primary APN	`53-02-06-304-003`
Alternative APN	`03-53-02-06-304-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,104 sqft Living Area
1st Floor Area	1,035 sqft
Basement Area	1,035 sqft
Unfinished Basement	1,035 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood Siding
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	115 ft deep x 55 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	648 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 14, COBBLESTONE PLAT SEC 6 T4N R15W
Legal Range	15W
Legal Township	04N
Legal Section	06
Legal Subdivision	COBBLESTONE
Legal Lot Number	14
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	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY
Sep 9, 2021	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Apr 30, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	202214685
Deed Book / Page	4782 / 555
Prior Transfer Date	May 27, 2010
Prior Transfer Doc	3422/355
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Jul 26, 2022
Property Address	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	004782/555
Book / Page	4782 / 555
Map Reference	LB 15 PG 35
Instrument Date	Jul 20, 2022
Instrument	2022014685
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	NOT AVAILABLE, LAKESHORE TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 CEDAR SQUARE ST, 648, HOLLAND, MI 49423-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Investor	Possibly a Property Investor

Mortgage

Document Number	0004782557
Date	Jul 26, 2022
Instrument	4782-557

Lender

Name	RUOFF MORTGAGE COMPANY
Type	Mortgage Company

Agreement

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Sep 9, 2021
Property Address	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	4668/889
Book / Page	4668 / 889
Map Reference	LB 15 PG 35
Instrument Date	Sep 2, 2021
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$3,053.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 CEDAR SQUARE ST, 648, HOLLAND, MI 49423-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Apr 30, 2018
Property Address	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	4240/968
Book / Page	4240 / 968
Map Reference	LB15 PG35
Instrument Date	Apr 24, 2018
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 CEDAR SQUARE ST, 648, HOLLAND, MI 49423-8847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 CEDAR SQUARE ST, HOLLAND, MI 49423-8847

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		$226,000 (+8.55%) Land $23,400 Building $202,600	$452,000 (+8.55%) Land $46,800 Building $405,200
2025	$8,392.00 (+2.88%) Homeowner's exemption	$208,200 (+18.09%) Land $20,600 Building $187,600	$416,400 (+18.09%) Land $41,200 Building $375,200
2024	$8,157.00
2023		$176,300 Land $17,900 Building $158,400	$352,600 Land $35,800 Building $316,800

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.

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