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Ottawa County, Michigan

Mortgage Broker in Zeeland Township, MI

Buying in Zeeland Township, near the Byron Road interchange, in Vriesland or Drenthe, or on acreage toward the Jamestown line? Samantha shops your loan across multiple wholesale lenders and stays with it herself through closing.

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What should you know before buying a home in Zeeland Township?

Zeeland Township, a charter township in Ottawa County, is home to about 12,137 residents in the Census Bureau's 2020 to 2024 American Community Survey (12,008 in the 2020 census) across about 34 square miles of land. Zeeland Township is a separate unit of government from the City of Zeeland: the two share ZIP codes, but each has its own assessor and tax rates, so a Zeeland mailing address alone does not say which one taxes the home. Downtown Grand Rapids is about 18 miles northeast in a straight line, and downtown Holland is about 8 miles west in a straight line.

By the numbers

What do the numbers say about Zeeland Township housing?

Values move. Treat these as orientation and let us pull current figures for the address you are considering.

$358,000

Typical home value, from the market research on this page

+47%

Typical rise in taxable value the year after a home sells, 2026 Uncapping Study

3

Residential ZIP codes: 49464, 49423, 49426

ZIP codes

Zeeland Township by ZIP code

Three ZIP codes reach Zeeland Township homes. The shares place each 2020 census block in the Census Bureau's ZIP code areas, so read them as close rather than exact.

49464: about 9 in 10 homes

Zeeland's ZIP code holds roughly 3,660 of the township's 4,050 homes in the 2020 count and about 90% of its land. It covers the City of Zeeland as well, so a 49464 address alone does not say who taxes the home.

49423: the Ottogan Street strip

Holland's ZIP code reaches about 330 homes on the township's south line at the Allegan County border. They are Zeeland Township parcels in Zeeland Public Schools.

49426: a few dozen homes

Hudsonville's ZIP code covers about 60 homes in the northeast and about 7% of the land, all of it in Hudsonville Public Schools.

What does financing look like in Zeeland Township?

Census estimates from the American Community Survey place one owner-occupied Zeeland Township home in four below about $267,000 and one in four above about $456,000. Redfin's count for the whole 49464 ZIP code, which also takes in the City of Zeeland, shows a median sale price near $410,000 for the three months ending September 2026, with 95 homes sold in September. At those prices nearly every purchase fits under the 2026 conforming limit of $832,750, and by Census estimate at least three homes in four sit under the 2026 FHA limit of $541,287.

Buyers who meet MSHDA's income and credit rules can pair its MI Home Loan, whose $566,355 price cap sits above the large majority of homes here, with the $10,000 down payment assistance loan.

Three local details shape a loan here more than the price does. Outside the areas the City of Zeeland and Holland Charter Township serve with public lines, homes run on private wells and septic systems, and Ottawa County has the seller get both evaluated before the sale. Census counts roughly 480 manufactured homes in the township, and when one stands on rented land in a community it is usually titled as personal property, which calls for a different loan than a mortgage, so learn how it is titled before you make an offer. And if a builder offers a credit for using its own lender, have us price the same loan that day so you can see the real difference.

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A Zeeland mailing address can mean the township or the city. In 2025 the township's homestead rate ran about 5.5 mills below the City of Zeeland's.

The market

What is the Zeeland Township housing market like?

The Census Bureau's American Community Survey puts the median owner-occupied home value in Zeeland Township near $357,500, across about 3,889 owner-occupied homes, with a median year built of 1997. The typical home value in Zeeland Township is near $358,000. Homeowners pay a median of about $3,726 a year in property taxes, an effective rate of about 1.04% of the median value.

Where to look

Which neighborhoods make up Zeeland Township?

Gordon Street to Perry Street, east of 96th Avenue

The block group on the township's west edge, beside the City of Zeeland. It mixes detached homes with about 186 attached single-family homes and about 160 manufactured homes, at a median year built of 1996. Census puts the typical owner-occupied value near $300,000, an estimate that can miss by about $38,000 either way.

Byron Road and the I-196 interchange

Subdivisions on both sides of exit 55, where the Innocademy campus sits on Homestead Drive, stretching north toward Beaverdam. About 430 homes with a median year built of 1994 and a Census typical owner value near $370,000.

Riley Street to Quincy Street, north of the city

The area the township's master plan places on City of Zeeland water and sewer, between Riley and Quincy Streets. Census counts about 300 detached homes and about 190 manufactured homes here, with a median year built of 1998 and a typical owner value near $288,000, though that figure carries a margin of about $71,000.

Ransom Street, west of Beaverdam

Homes along Ransom Street on the township's north line, west of the Beaverdam crossroads and its township fire station on 72nd Avenue. Blendon Township holds about two in three of this block group's homes, so its Census typical owner value near $524,000, give or take about $94,000, speaks more to the area than to the township side.

Chicago Drive toward Hudsonville

The northeast corner, where Chicago Drive heads toward Hudsonville and a few dozen homes use Hudsonville's 49426 ZIP code and Hudsonville Public Schools. A little over half of the block group's homes are across the line in Blendon Township. Median year built 1992, with a Census typical owner value near $341,000.

Woodbridge Street, southwest

Subdivisions around Woodbridge Elementary on Woodbridge Street, between 96th and 84th Avenues. About 7 in 10 of the block group's homes are in the township and the rest in Holland Charter Township. Median year built 1996, a Census typical owner value near $427,000, and about 150 homes in buildings of five to 19 units.

Vriesland and Adams Street

Vriesland, where the township offices stand on Byron Road, and the subdivisions south to Adams Street, including Adams Elementary and the 76th and 84th Avenue entrances to the Upper Macatawa Natural Area. The newest housing in the township, with a median year built of 2009 and a Census typical owner value near $369,000. These figures include the Ottogan Street homes.

Ottogan Street, the Holland ZIP corner

The south line along Ottogan Street at the Allegan County border, where about 330 homes counted in 2020 carry Holland's 49423 ZIP code even though Zeeland Township taxes them and Zeeland Public Schools serves them. They share the Census figures of the Vriesland and Adams Street block group.

Drenthe and the southeast

The Drenthe crossroads, with Drenthe Community Grove at 615 68th Avenue and a township fire station on Adams Street, plus farms and acreage toward the Jamestown Township line. About three in four of the block group's homes are in the township. Median year built 1976, the earliest of any area here, and a Census typical owner value near $384,000 with a margin of about $57,000.

Buyer checklist

Six checks on a Zeeland Township house

Each item below comes from the township, the county or FEMA, and each one is easier to settle before an offer than after it.

  • Who taxes it. Township and city parcels share the Zeeland address. The township's property information system shows a parcel's values, taxes and special assessments, and the assessing office answers questions on Tuesdays and Thursdays.
  • Water, sewer, well or septic. Ask which supplier serves the parcel, the City of Zeeland or Holland Charter Township. Where a home has its own well or septic system, Ottawa County's Real Estate Transfer Evaluation, required of sellers since 1984, puts the report in your hands at closing, so ask for it early.
  • Site condominium papers. Many newer neighborhoods here were built as site condominiums. Ask for the master deed and bylaws, which set what you may build and what the association can charge.
  • The flood map. Check the address on FEMA's Flood Map Service Center. A home in a high-risk zone needs flood insurance for the loan.
  • County drains. The Ottawa County Water Resources Commissioner keeps an interactive map of county drains and their easements, which also mark where the township's floodplain overlay applies.
  • Plans for the lot. Building permits and zoning questions go to Professional Code Inspections, the township's contractor, while trade permits stay with the township (building and zoning page).

For time outside, Ottawa County's Upper Macatawa Natural Area covers 614 acres inside the township, and its bike path links north to the Fred Meijer Kenowa Trail on Byron Road. Every neighborhood figure above is a block group estimate from the Census Bureau's 2020 to 2024 survey, and some carry wide margins, which is why we pull recent comparable sales once you have an address in mind.

Schools and commute

Schools

Michigan Treasury's 2025 total rates list two districts in Zeeland Township. Zeeland Public Schools covers all but the eastern edge: about 85% of the land and roughly 97 of every 100 homes counted in the 2020 census. Hudsonville Public Schools takes the strip along the Jamestown Township line, about 15% of the land but only around 115 homes. The township's master plan places two Zeeland elementary schools inside the township, Woodbridge on Woodbridge Street and Adams on Adams Street, and no Hudsonville building. Innocademy, a public charter school for kindergarten through 12th grade, sits on Homestead Drive by the Byron Road interchange. The district on the parcel moves the bill slightly: a 2025 homestead pays 32.34 mills with Zeeland and 31.39 with Hudsonville.

Commute

Zeeland Township sits on two of the main roads between the lakeshore and Grand Rapids. I-196 crosses it with an interchange at Byron Road (exit 55), and Chicago Drive (M-121) runs northeast through Beaverdam toward Hudsonville and Jenison. From the township offices at 6582 Byron Road, downtown Zeeland is about 4 miles, around 7 minutes without traffic. Downtown Holland is about 9 miles (14 minutes), Hudsonville about 7 (10 minutes), Grand Valley State's Allendale campus about 13 (20 minutes) and downtown Grand Rapids about 22 (28 minutes). Gentex, headquartered in Zeeland with more than 5,000 Michigan employees in 2022, picked Zeeland Charter Township that year for a new manufacturing plant and distribution center (Michigan Economic Development Corporation). About three in four workers who live here drive alone, about 1 in 11 works from home, and the average trip is near 18 minutes (Census Reporter).

Day to day

Living in Zeeland Township

Parks, errands, events, seasonal tasks and the kinds of homes you will see, from the township's parks page, the Ottawa County parks page, the City of Zeeland's events listing, the township's tax due dates, the county's well and septic transfer program and the other sources named in each card.

What is there to do around Zeeland Township?

The township's parks page describes Drenthe Community Grove, 20 acres at 615 68th Avenue with a playground, ball field, beach volleyball court, two tennis courts, basketball and pickleball courts, a fishing pond, a picnic shelter and a 0.7 mile paved walkway. VanZoeren Woods is 34 acres at 56th Avenue and Riley Street. Ottawa County's Upper Macatawa Natural Area covers 614 acres with entrances at 1300 84th Avenue and 2171 76th Avenue, paved and single track trails, and a bike path that joins the Fred Meijer Kenowa Trail along Byron Road. It has no entry fee.

Where do people run errands?

The Zeeland Charter Township office is at 6582 Byron Road, open Monday through Thursday from 8:30 a.m. to 5 p.m. and Friday from 8:30 a.m. to noon, and it handles dog licenses and electrical, mechanical and plumbing permits. Building permits go through the contracted inspection office at 1913 Baldwin Street in Jenison, which also holds office hours at the township hall on Tuesdays and Thursdays from 10 a.m. to noon. The City of Zeeland, with its downtown and community center, sits right beside the township for everyday shopping.

What happens here through the year?

The City of Zeeland lists its 2026 events on its home page: the Zeeland Turkey Trot 8k on November 26, Small Business Saturday on November 28, Zeeland's Magical Christmas Parade on November 30 and Feel the Zeel of Christmas on December 4. The township keeps a calendar of events and meeting agendas on its own site. On Memorial Day the township places a flag at the gravesite of each veteran buried in its cemeteries, including East Drenthe, West Drenthe and Vriesland.

What does each season mean for a homeowner?

The township treasurer mails summer tax bills on July 1, due September 14, and winter bills on December 1, due February 14. A summer tax deferment form is posted on the same Treasury page. March 1 is the last day to pay property taxes at the township office, and unpaid taxes go to the Ottawa County Treasurer on March 2. Fences six feet or under and new siding on a house are among the items the building page says may not need a permit, so a spring project can start with a quick call.

Which kind of home are you after?

The Census Bureau's 2020 to 2024 American Community Survey counts 4,212 homes in the township. Of those, 3,138 are detached houses, 379 are attached homes such as townhouses, 212 sit in buildings of two to nine units, and 483 are mobile or manufactured homes. Ottawa County's Environmental Health Code has required sellers to have private well and septic systems evaluated before a transfer since 1984, and the report goes to the buyer at closing. Condo or attached homes also come with association approval and dues to review.

Michigan property taxes

What will my property taxes be after I buy in Zeeland Township?

The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.

In Zeeland Township, our 2026 Uncapping Study found taxable value typically rises about 47% the year after a sale. On a $350,000 home, near the typical Zeeland Township value, the first-year tax goes up roughly $1,810 at the Zeeland schools rate most homes here pay. We build your payment on that post-sale number.

Looking at a Zeeland Township address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

How Michigan taxable value works

In Samantha's words

I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.

2025 homestead millage

The 2025 rate on a Zeeland-area tax bill

Michigan Treasury's 2025 total homestead rates, worked out for a full year on a $350,000 home. If the assessor's market value equals that price, taxable value after the sale lands near $175,000. A rental or second home pays 18 mills more in each place.

Township, Zeeland schools: 32.34 mills

Nearly every township home. About $5,660 a year on that example.

Township, Hudsonville schools: 31.39 mills

The eastern strip. About $5,490 for a full year.

City of Zeeland: 37.86 mills

For comparison. About $6,630, roughly $970 more than the township's Zeeland schools area.

Holland Township, Zeeland schools: 33.24 mills

The neighbor to the west. About $5,820 on the same home.

Local resources

Check Zeeland Township records yourself

The official offices behind the tax and school details on this page.

What our clients say

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Zeeland Township mortgage questions

If yours is not here, ask it on the call. There are no dumb questions.

Is a Zeeland address in Zeeland Township or the City of Zeeland?

It can be either. The 49464 ZIP code covers about 9 in 10 township homes and the City of Zeeland too, so the mailing address does not settle it. The parcel record does, and the difference shows up on the bill: in 2025 the City of Zeeland’s homestead rate was 37.86 mills, against 32.34 in the township’s Zeeland Public Schools area.

ZIP code lines do not follow township lines. About 330 homes along Ottogan Street, on the Allegan County line, use Holland’s 49423, and a few dozen in the northeast use Hudsonville’s 49426. Zeeland Township taxes both groups. The Ottogan Street homes are in Zeeland Public Schools, and the northeast ones are in Hudsonville Public Schools.

Most likely Zeeland Public Schools, which covers about 97 of every 100 homes. Hudsonville Public Schools takes a strip along the Jamestown Township line, about 15% of the land. Read the district off the parcel record, since it changes part of the tax: 32.34 mills for a 2025 homestead with Zeeland and 31.39 with Hudsonville.

Many do, from two suppliers. The township’s master plan says the City of Zeeland serves the area between Quincy and Riley Streets from 80th to 96th Avenue, and Holland Charter Township serves the other areas with public lines, mainly around Byron Road, 64th Avenue and Adams Street. Homes beyond those lines use private wells and septic systems, which Ottawa County has the seller evaluate before the sale, with the report going to the buyer at closing.

Plan from the buyer’s number. The year after a sale, taxable value resets to half of the assessor’s market value. If that market value matches a $350,000 price, taxable value lands near $175,000, and a full year at the 2025 Zeeland Public Schools homestead rate of 32.34 mills comes to about $5,660. A second home or rental pays the non-homestead rate, 18 mills more.

Look up the address on FEMA’s flood map before you write the offer. If the home sits in a high-risk zone, the lender requires flood insurance. The township’s zoning also has a floodplain overlay covering land within 1,000 feet of the Macatawa River and 500 feet of a county drain easement, so read those rules before planning an addition, outbuilding or fill on such a lot.

Much of the township is zoned agricultural, with a minimum lot of 49,500 square feet, about 1.14 acres, and splitting a parcel takes the township’s land division application. Building permits go through Professional Code Inspections, the township’s building and zoning contractor, at 616-667-8803, while electrical, mechanical and plumbing permits still go to the township office. Working farms nearby operate under Michigan’s Right to Farm Act.

The township assessor keeps office hours Tuesday and Thursday from 9 a.m. to 2 p.m. at 616-772-6701, extension 104, and the township’s online property system shows each parcel’s values, taxes and special assessments for recent years. Real property taxes left unpaid into March are collected by the Ottawa County Treasurer at 616-994-4501, not the township.

Communities near Zeeland Township

Ottawa County overview

Guides for Zeeland Township buyers

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Sources

Where do the Zeeland Township figures on this page come from?

26 sources behind the Zeeland Township figures above, every link checked November 2026.

Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.

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