652 Cedar Square St, Holland, MI 49423 Property Records

Allegan County property record for 652 Cedar Square St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,341 sqft · built 2002
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$481,000 (Sep 2025)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Aug 2005 Second Mortgage Jun 2008 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53-02-06-304-002`

Property Details

APN / Parcel Number

Primary APN	`53-02-06-304-002`
Alternative APN	`03-53-02-06-304-002`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,341 sqft Living Area
1st Floor Area	1,076 sqft
Basement Area	1,076 sqft
Unfinished Basement	1,076 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	652 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 13, COBBLESTONE PLAT SEC 6 T4N R15W
Legal Range	15W
Legal Township	04N
Legal Section	06
Legal Subdivision	COBBLESTONE
Legal Lot Number	13
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	652 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OPTION ONE MORTGAGE CORP
Jun 3, 2008	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
May 11, 2009	Deed of Trust, Mortgage · Line of Credit MACATAWA BANK
Jun 22, 2007	Other, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Apr 1, 2025 · Amount on Record
Deed Document Number	202514216
Deed Book / Page	5066 / 284
Prior Transfer Date	Jul 21, 2011
Prior Transfer Doc	3533/537
Record Updated	Oct 29, 2026

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	652 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	LIGHTHOUSE TITLE, LIGHTHOUSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002877/436
Date	Aug 18, 2005
Book Page	2877/436

Lender

Name	OPTION ONE MORTGAGE CORP
Type	Subprime Lender
Address	3 ADA, IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2035

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	652 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003238/146
Date	Jun 3, 2008
Book Page	3238/146

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2038

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	652 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003324/572
Date	May 11, 2009
Book Page	3324/572

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49422

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2007: Other, Transfer

Document Type	Other
Jurisdiction	ALLEGAN MI
Recording Date	Jun 22, 2007
Property Address	652 CEDAR SQUARE ST, HOLLAND, MI 49423-8847
Document Number	003132/472
Book / Page	3132 / 472
Map Reference	LB15 PG35-37
Instrument Date	May 31, 2007
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	E TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 ADA, IRVINE, CA 92618-2322

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0003132473
Date	Jun 22, 2007
Instrument	3132/473

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Change Frequency	Annually
Max Rate At Change	11.6%
Index	1-Year LIBOR

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		$210,700 (+8.22%) Land $23,400 Building $187,300	$421,400 (+8.22%) Land $46,800 Building $374,600
2025	$5,109.00 (+2.88%) Homeowner's exemption	$194,700 (+18.07%) Land $20,600 Building $174,100	$389,400 (+18.07%) Land $41,200 Building $348,200
2024	$4,966.00
2023		$164,900 Land $17,900 Building $147,000	$329,800 Land $35,800 Building $294,000

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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