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

Ottawa County property record for 98 E 16th St, Holland, MI 49423

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,062 sqft · built 1896
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Jun 2022)
Tax Bill	$3,448 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-16-32-202-007`

Property Details

APN / Parcel Number

Primary APN	`70-16-32-202-007`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,062 sqft Living Area
1st Floor Area	862 sqft
Basement Area	182 sqft
Unfinished Basement	182 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	132 ft deep x 55 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	98 E 16TH ST
City	HOLLAND
State	MI
Zip	49423-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Description	LOT 3, BLK A CEDAR FLATS ADD SEC 32 T5N R15W
Legal Range	15W
Legal Township	05N
Legal Section	32
Legal Subdivision	CEDAR FLATS ADD
Legal Block	A
Legal Lot Number	3
Jurisdiction	OTTAWA MI
Township / Civil Division	HOLLAND
Census Block Group	3
Census Block	3002
Census Tract	25800

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	Individual Name on Record
Mailing Address	98 E 16TH ST, HOLLAND, MI 49423-4204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 20, 2021	Warranty Deed, Transfer FOUNDATION TITLE AGENCY
Aug 24, 2020	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Feb 28, 2018	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	202224116
Prior Transfer Date	Jun 9, 2011
Prior Transfer Doc	20110021843
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 30, 2022
Property Address	98 E 16TH ST, HOLLAND, MI 49423-4204
Document Number	20220024116
Map Reference	LB 3 PG 33
Instrument Date	Jun 30, 2022
Instrument	2022-0024116
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WHITE HILLS AVE, 11, SPRING LAKE, MI 49456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 E 16TH ST, HOLLAND, MI 49423-4204

Mortgage

Document Number	20220024117
Date	Jun 30, 2022
Instrument	2022-0024117

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 20, 2021
Property Address	98 E 16TH ST, HOLLAND, MI 49423-4204
Document Number	20210026981
Map Reference	LB 3 PG 33
Instrument Date	May 3, 2021
Instrument	2021-0026981
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	FOUNDATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,297.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 E 16TH ST, 98, HOLLAND, MI 49423-4204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WHITE HILLS AVE, SPRING LAKE, MI 49456

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 24, 2020
Property Address	98 E 16TH ST, HOLLAND, MI 49423-4204
Document Number	20200035824
Map Reference	LB 3 PG 33
Instrument Date	Aug 21, 2020
Instrument	2020-0035824
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$1,177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	373 HIGHBANKS CT, 373, HOLLAND, MI 49424-6372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 E 16TH ST, HOLLAND, MI 49423-4204

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Feb 28, 2018
Property Address	98 E 16TH ST, HOLLAND, MI 49423-4204
Document Number	20180006919
Map Reference	LB3 PG33
Instrument Date	Feb 23, 2018
Instrument	2018-0006919
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6357 CLOVER LN, 6357, JENISON, MI 49428-9217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	373 HIGHBANKS CT, HOLLAND, MI 49424-6372

Mortgage

Document Number	20180006920
Date	Feb 28, 2018
Instrument	2018-0006920

Lender

Name	MERCANTILE BANK OF MICHIGAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2033

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		$88,800 (+18.09%)	$177,600 (+18.09%)
2025	$3,448.00 (+18.73%)
2023		$75,200	$150,400
2022	$2,904.00

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 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	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	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 BOARD OF PUBLIC WORKS serves 49,687 people · EPA ID MI0003190
Water Source	Surface water
Last State Inspection	Sep 2024
Also Mapped Here	HOLLAND TOWNSHIP CONSOLIDATED
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 421 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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