6565 Lake Effect Dr, Holland, MI 49423 Property Records

Allegan County property record for 6565 Lake Effect Dr, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,490 sqft · built 2018
Lot Size	4.65 acres (202,554 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Feb 2017)
Tax Bill	$6,426 (2025)
Deeds & Mortgages	May 2018 Mortgage Mar 2020 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`11-022-023-10`

Property Details

APN / Parcel Number

Primary APN	`11-022-023-10`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,490 sqft Living Area
1st Floor Area	1,490 sqft
Basement Area	1,490 sqft
Unfinished Basement	1,490 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	202,554 sqft (4.65 acres)
Garage Area	722 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6565 LAKE EFFECT DR
City	HOLLAND
State	MI
Zip	49423-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COM AT W 1/4 COR TH N ON W SEC LIN 1053.05' TO POB TH N 108' ON SD W LIN TH S 88 DEG 50'59 E 991.21' TH S 360.28' TH N 88 DEG
Legal Range	16W
Legal Township	04N
Legal Section	22
Legal Subdivision	LAKE EFFECT ESTATES
Legal Lot Number	1
Jurisdiction	ALLEGAN MI
Township / Civil Division	LAKETOWN
Census Block Group	3
Census Block	3021
Census Tract	30200

Owner

Source: Allegan County records, as of June 25, 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	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2018	Deed of Trust, Mortgage · ARM LAKE MICHIGAN CU
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Apr 4, 2019	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Aug 19, 2020	Quit Claim Deed, Transfer Quitclaim
Dec 26, 2019	Intrafamily Transfer, Transfer
Feb 13, 2017	Deed, Transfer LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2017 · Amount on Record
Deed Sale	Feb 13, 2017 · Amount on Record
Prior Sale	Sep 22, 2010 · Amount on Record
Deed Book / Page	4114 / 135
Prior Transfer Date	Oct 19, 2010
Prior Transfer Doc	3463/145
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4241/762
Date	May 2, 2018
Book Page	4241/762

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.61%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.61%
Index	1-Year LIBOR
Max Rate	8.61%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4438/440
Date	Mar 9, 2020
Book Page	4438/440

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4467/735
Date	May 29, 2020
Book Page	4467/735

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4332/344
Date	Apr 4, 2019
Book Page	4332/344

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4432/425
Date	Feb 19, 2020
Book Page	4432/425

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEGAN MI
Recording Date	Aug 19, 2020
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Document Number	4499/572
Book / Page	4499 / 572
Instrument Date	Aug 14, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 GRAAFSCHAP RD, 520, HOLLAND, MI 49423-4548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6553 LAKE EFFECT DR, HOLLAND, MI 49423-9751

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEGAN MI
Recording Date	Dec 26, 2019
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Document Number	4416/414
Book / Page	4416 / 414
Instrument Date	Dec 26, 2019
Transaction Type	Transfer
Record Updated	Aug 3, 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
Address	6580 LAKE EFFECT DR, HOLLAND, MI 49423-9751

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGAN MI
Recording Date	Feb 13, 2017
Property Address	6565 LAKE EFFECT DR, HOLLAND, MI 49423-9751
Document Number	4114/135
Book / Page	4114 / 135
Instrument Date	Feb 7, 2017
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$387.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	141 E 8TH ST, 141, HOLLAND, MI 49423-3503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 48TH AVE, ZEELAND, MI 49464-9662

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Laketown Township
Unified School District	Saugatuck Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$303,600 (+4.76%) Land $76,700 Building $226,900	$607,200 (+4.76%) Land $153,400 Building $453,800
2025	$6,426.00 (+3.8%) Homeowner's exemption	$289,800 (+4.96%) Land $71,000 Building $218,800	$579,600 (+4.96%) Land $142,000 Building $437,600
2024	$6,191.00 (+10.2%)
2023		$276,100 Land $45,000 Building $231,100	$552,200 Land $90,000 Building $462,200
2022	$5,618.00

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 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
Nearby Flood Policies	3 in force

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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