Ottawa County property record for 686 Central Ave, Holland, MI 49423
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,632 sqft · built 1973 |
| Lot Size | 0.217 acres (9,453 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $94,900 (Jun 1989) |
| Tax Bill | $3,626 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-16-32-376-021 |
| Primary APN | 70-16-32-376-021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 9,453 sqft (0.217 acres) |
| Lot Dimensions | 131 ft deep x 72 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 686 CENTRAL AVE |
|---|---|
| City | HOLLAND |
| State | MI |
| Zip | 49423-5165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | S 20 FT OF LOT 3, ENTIRE LOT 4, AND N 8 FT OF LOT 5, BLK A, ALSO E 1/2 OF VAC ALLEY ADJ ON THE WEST RH POST'S PARK HILL ADD SEC 32 T5N R15W |
| Legal Range | 15W |
| Legal Township | 05N |
| Legal Section | 32 |
| Legal Subdivision | POSTS PARK HILL ADD |
| Legal Block | 376 |
| Legal Lot Number | 3-5 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | HOLLAND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 25700 |
686 Central Ave is owned and occupied by two individuals who acquired it in January 2024.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 686 CENTRAL AVE, HOLLAND, MI 49423-5165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LAKE TRUST CREDIT UNION |
| Jan 25, 2024 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 1989 · Amount on File |
| Deed Sale | Jun 15, 1989 · Amount on File |
| Deed Book / Page | 1345 / 162 |
| Last Transfer Date | Jan 24, 2024 |
| Transfer Doc | 20240001966 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 8, 2026 |
| Property Address | 686 CENTRAL AVE, HOLLAND, MI 49423-5165 |
| Document Number | 20260009824 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20269824 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 686 CENTRAL AVE, HOLLAND, MI 49423-5165 |
| Document Number | 0000009824, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 20269824 |
| Name | LAKE TRUST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 9, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jan 25, 2024 |
| Property Address | 686 CENTRAL AVE, HOLLAND, MI 49423-5165 |
| Document Number | 20240001966 |
| Instrument Date | Jan 24, 2024 |
| Instrument | 2024-0001966 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 686 CENTRAL AVE, HOLLAND, MI 49423-5165 |
The 2025 property tax bill for 686 Central Ave was $3,626 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| Municipality | Holland City |
| Unified School District | Holland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $241,100 (+11.62%) | $482,200 (+11.62%) | |
| 2025 | $3,626.00 Homeowner's exemption | $216,000 | $432,000 |
| 2023 | $169,100 | $338,200 | |
| 2022 | $3,130.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2009 · river or lake flooding |
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 risk around 686 Central Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 585 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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