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

Ottawa County property record for 654 E 12th St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1970
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,000 (Jun 2011)
Tax Bill	$2,706 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-16-28-476-022`

Property Details

APN / Parcel Number

Primary APN	`70-16-28-476-022`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Area	528 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	654 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 178 & 179 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	178-179
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	2 Individual Names on Record
Mailing Address	654 E 12TH ST, HOLLAND, MI 49423-3727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Mar 7, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2011 · Amount on Record
Deed Sale	Jun 22, 2011 · Amount on Record
Prior Sale	Dec 28, 2000
Deed Document Number	201122110
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	654 E 12TH ST, HOLLAND, MI 49423-3727
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 E 12TH ST, HOLLAND, MI 49423-3727

Mortgage

Document Number	20210046571
Date	Sep 15, 2021
Instrument	2021-0046571

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	654 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	20190031195
Date	Sep 5, 2019
Instrument	2019-0031195

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	654 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	20190001895
Date	Jan 17, 2019
Instrument	2019-0001895

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	654 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	20190006807
Date	Mar 7, 2019
Instrument	2019-0006807

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$128,800 (+35.15%)	$257,600 (+35.15%)
2025	$2,706.00 (+15.84%)
2023		$95,300	$190,600
2022	$2,336.00

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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