Ottawa County property record for 984 E 12th St, Holland, MI 49423
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,102 sqft · built 1988 |
| Lot Size | 0.272 acres (11,848 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $192,500 (Jul 2020) |
| Tax Bill | $4,891 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Dec 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-16-27-460-006 |
| Primary APN | 70-16-27-460-006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,102 sqft Living Area |
| 1st Floor Area | 1,102 sqft |
| Basement Area | 1,102 sqft |
| Unfinished Basement | 1,102 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 11,848 sqft (0.272 acres) |
| Lot Dimensions | 132 ft deep x 89 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 984 E 12TH ST |
|---|---|
| City | HOLLAND |
| State | MI |
| Zip | 49423-3869 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 11 EXC W 73 FT RIDGELAND HEIGHTS SUB SEC 27 T5N R15W FROM 27-460-003 12/88 |
| Legal Range | 15W |
| Legal Township | 05N |
| Legal Section | 27 |
| Legal Subdivision | RIDGELAND HEIGHTS SUB |
| Legal Block | 460 |
| Legal Lot Number | 11 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | HOLLAND |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 25200 |
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 | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION |
| Dec 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Feb 21, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED FCU |
| Jul 1, 2020 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2020 · Amount on Record |
| Deed Sale | Jul 1, 2020 · Amount on Record |
| Prior Sale | Jul 21, 2006 · Amount on Record |
| Deed Document Number | 202026415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 29, 2026 |
| Property Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Document Number | 0000023054 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202623054 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12540 RILEY ST, HOLLAND, MI 49424-8217 |
| Document Number | 0000023054, |
|---|---|
| Date | Jul 29, 2026 |
| Instrument | 202623054 |
| Name | UNITED FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 25, 2036 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Document Number | 20250035963 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 2025-0035963 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4.36% |
| Max Rate At Change | 8.36% |
| Index | 1-Year CMT |
| Max Rate | 11.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Document Number | 20240004037 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2024-0004037 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 25, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Document Number | 20230008308 |
|---|---|
| Date | Apr 10, 2023 |
| Instrument | 2023-0008308 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 1, 2020 |
| Property Address | 984 E 12TH ST, HOLLAND, MI 49423-3869 |
| Document Number | 20200026415 |
| Map Reference | LB 23 PG 66 |
| Instrument Date | Jun 16, 2020 |
| Instrument | 2020-0026415 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,655.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 984 E 12TH ST, 984, HOLLAND, MI 49423-3869 |
| Name | Verified Name |
|---|---|
| Address | 12155 PARKVIEW LN APT 2A, 2A, HOLLAND, MI 49424-8989 |
| Document Number | 20200026416 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 2020-0026416 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
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 | $152,100 (+40.96%) | $304,200 (+40.96%) | |
| 2025 | $4,891.00 (+18.08%) | ||
| 2023 | $107,900 | $215,800 | |
| 2022 | $4,142.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 · tidal / storm surge |
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.
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.
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 212 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 · Fixed Wireless in parts of the area | 100 / 20 |
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