651 E 16th St, Holland, MI 49423 Property Records

Ottawa County property record for 651 E 16th St, Holland, MI 49423

Property Summary

Property Type	Fast Food Restaurant
Details	5,389 sqft · built 1985
Lot Size	1.68 acres (73,573 sqft)
Owner	Trust Name on File
Tax Bill	$29,838 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`70-16-28-479-022`

Property Details

APN / Parcel Number

Primary APN	`70-16-28-479-022`

Interior

Stories	1 Story
Building Area	5,389 sqft Total Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	73,573 sqft (1.68 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	651 E 16TH ST
City	HOLLAND
State	MI
Zip	49423-3703
Property Category	Commercial
Property Type	Commercial > Retail > Fast Food Restaurant
Local Zoning Code	CMU
Legal Description	LOT 337 THRU 340 & E 10 FT OF LOT 341 & E 10 FT OF S 10 FT OF LOT 324, & LOTS 325 THRU 328, EXC E 15 FT OF N 120 FT OF LOT 328, ALSO S 1/2 OF VAC 15TH ST ADJ TO SD LOTS 325 THRU 328, EXC E 15 FT ADJ TO LOT 328, ALSO N 1/2 OF VAC 15TH ST ADJ TO LOTS 2
Legal Range	15W
Legal Township	05N
Legal Section	28
Legal Subdivision	WAVERLY HEIGHTS SUB
Legal Block	479
Jurisdiction	OTTAWA MI
Township / Civil Division	HOLLAND
Census Block Group	3
Census Block	3017
Census Tract	25200

Owner

651 E 16th St, a commercial property, is held in a trust since August 2023.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	Trust Name on File
Mailing Address	4341 ESPERANZA LN, SAN LUIS OBISPO, CA 93401-8118
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 11, 2021	Deed, Transfer · Line of Credit FIRST MERCHANTS BANK
Aug 3, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 1996
Deed Sale	Aug 9, 1996
Deed Book / Page	2124 / 344
Last Transfer Date	Aug 10, 2023
Transfer Doc	0000020785
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 11, 2021
Property Address	651 E 16TH ST, HOLLAND, MI 49423-3703
Document Number	20210056253
Map Reference	LB 8 PG 51
Instrument Date	Nov 3, 2021
Instrument	2021-0056253
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 EDISON LAKES PKWY STE 300, 4220, MISHAWAKA, IN 46545-1440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4341 ESPERANZA LN, SAN LUIS OBISPO, CA 93401-8118

Mortgage

Document Number	20210056255
Date	Nov 11, 2021
Instrument	2021-0056255

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 5, 2031

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 3, 2021
Property Address	651 E 16TH ST, HOLLAND, MI 49423-3703
Document Number	20210039483
Map Reference	LB 8 PG 51
Instrument Date	Jul 28, 2021
Instrument	2021-0039483
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	262 S FREMONT ST NE, 262, ROCKFORD, MI 49341-9601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4220 EDISON LAKES PKWY STE 300, 300, MISHAWAKA, IN 46545-1440

Tax Assessment & Valuation

The 2025 property tax bill for 651 E 16th St was $29,838.

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		$669,900	$1,339,800
2025	$29,838.00
2023		$522,300	$1,044,600
2022	$25,903.00

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

Flood

FEMA maps place 651 E 16th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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

The area around 651 E 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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