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Mortgage Broker in Ada Township, MI

From village townhouses on the Thornapple to 5-acre lots north of the Grand, an Ada Township mortgage starts with the parcel. One Michigan broker takes your loan to multiple wholesale lenders and stays with the file.

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Buying a home in Ada Township

Ada Township is a Kent County township east of Grand Rapids where the Grand and Thornapple rivers meet, home to about 14,700 residents in the Census Bureau's 2024 estimate. The Ada community grew from a trading post Rix Robinson built around 1821, and Ada Township is the corporate home of Alticor and Amway. The median household income in Ada Township is near $168,500.

By the numbers

Ada Township housing and mortgage snapshot

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

$545,000

Typical home value, from the market research on this page

+46%

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

1.07%

Property tax current owners pay, as a share of value. A buyer's bill can reset higher the year after a sale

4

Residential ZIP codes: 49301, 49331, 49525, 49546

What financing looks like in Ada Township

Redfin's median sale in the Ada ZIP code, 49301, was about $750,000 over July to September 2026, 3.8% above a year earlier, and homes went under contract in about 8 days. That ZIP code also takes in parts of Cascade and Cannon townships, so the Census Bureau's owner estimates for 2020 to 2024 are the closer read on the township itself: a median near $544,700, with the middle half of homes between about $368,600 and $777,500. That whole range sits under the 2026 conforming limit of $832,750. FHA's 2026 Kent County limit, $541,287, caps the loan rather than the price, so FHA stays possible around the median but not across most of this market. Jumbo loans are a regular part of it: about one owner-occupied home in ten carries a value of $1 million or more, and the loan crosses the conforming limit only when the amount borrowed passes $832,750.

What changes an Ada Township file is usually the land, not the price. Public water and sewer reach only the southwest part of the township, inside a utility boundary meant to favor infill over pipes into rural areas, so most homes north and east of the Grand rely on a private well and septic. The Kent County Health Department offers a real estate evaluation of both, which it says is often required before an existing building is sold. FEMA maps about 11% of the township's land as high-risk flood zone, mostly beside the Grand and the Thornapple. A federally backed mortgage there needs flood insurance, and FEMA revised parts of that map by letter as recently as January 2026. On a private road, ask for the recorded maintenance agreement the township's zoning code calls for.

In and around the village, many of the newer homes are townhouses or condos, and a condo purchase brings the association's own finances into the loan file, so ask early for its budget, reserves and master insurance policy. The Census median sits a little under MSHDA's $566,355 price cap, which leaves room for buyers within the program's income and credit limits to pair a MI Home Loan with MSHDA's MI 10K: $10,000 toward the down payment, repaid at a sale, refinance or payoff, or when the home is no longer your main residence.

About two fifths of the land behind an Ada, MI 49301 mailing address lies outside Ada Township, spread over Cascade, Cannon and four other townships.

The market

The Ada Township housing market

The typical home value in Ada Township is near $544,700, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 4,800 owner-occupied homes here. The median year built is 1994, and Ada Township is mostly larger homes on wooded lots, newer subdivisions and river frontage. Homeowners pay a median of about $5,830 a year in property taxes, an effective property tax rate of about 1.07% of the median value.

Addresses and land

Ada Township by ZIP code

Almost all of Ada Township carries the Ada ZIP code, and three others clip its corners. Each also extends far beyond the township, so a ZIP-wide sale median blends in other towns. Land shares are from the Census Bureau's 2020 relationship file between ZIP code areas and townships, sale medians are Redfin's for July to September 2026, and the owner figures are Census estimates covering 2020 to 2024.

49301, Ada: about 94% of the township

Everything but the corners: the village, both river banks, Pettis Avenue, Honey Creek and the east side. About 60% of this ZIP code's land is Ada Township. Most of the rest is Cascade, about 19%, and Cannon, about 13%, which is why an Ada address alone does not place a home. Redfin's ZIP-wide median ran about $750,000, up 3.8%, with 79 sales in September and homes selling near 99% of list. Across the whole ZIP code, the Census owner median is $548,800 and the typical home dates from 1993.

49546, Grand Rapids: the southwest corner

About 2% of the township, around Hall Street, the south end of Clements Mill and Forest Hills Central, whose address reads 5901 Hall St SE, Grand Rapids. Ada holds under 5% of this ZIP code, which is mostly Cascade Township, Grand Rapids Township and Kentwood, so its Redfin median of about $525,000, up 11.2%, describes those places more than Ada. The Census owner median for the ZIP as a whole is $417,900.

49525, Grand Rapids: the northwest tip

About 2% of the township, west of the Grand along Grand River Drive near the Plainfield Township line, and the only part of Ada in Northview Public Schools. This ZIP code is mostly Plainfield and Grand Rapids townships, where Redfin's median ran about $400,000, up 12.0%. Its Census owner median, $321,100, sits far below what the Ada side of Grand River Drive shows.

49331, Lowell: a sliver of the east line

Under 2% of the township, near the east end of Two Mile Road in Lowell Area Schools. Ada is less than 1% of this large ZIP code, which centers on the City of Lowell and Vergennes and Lowell townships. Redfin's median there was about $450,000, down 5.9% from the year before, and the typical home sold within about a week. Census owner median $315,300.

Where to look

Ada Township neighborhoods

Ada Village and the covered bridge

The village sits on flat ground where the Thornapple meets the Grand, along Ada Drive, River Street and Headley Street, with Legacy Park and the 125-foot Ada Covered Bridge, first built in 1867 and rebuilt after a 1979 fire. Much of it lies in the floodplain. The 2023 Master Plan lists Village East, a 92-unit development east of River Street, and Oxbow, an approved 88-unit mix south of the Thornapple on Fase Street. Census figures for these blocks are counted with the Thornapple River Drive area.

Thornapple River Drive and Hall Street

South and west of the village, from Thornapple River Drive and its bluffs above the river out to Forest Hills Central on Hall Street, with Thornapple Club Drive, Dogwood Meadows and Ada Park. Its block group, which takes in the village, counts about 440 owner homes, roughly a quarter of them attached, a typical home from 2003 and owner values near $605,700, the middle half from about $511,800 to $699,700. About a quarter of its land carries Grand Rapids 49546 addresses, and about a fifth, mostly near the rivers' meeting point, is high-risk flood zone.

Adacroft and Alta Dale Avenue

Between Ada Drive and Fulton Street west of the village, around Adacroft Drive, Adaway Avenue and Alta Dale Avenue, with Ada Elementary and Ada Vista Elementary at its east end. The township's plan calls the 1970s Adacroft Commons neighborhood its largest subdivision. All 711 homes counted are detached, the typical one from 1976, and owner values cluster tightly near $375,800, the lowest of any block group in Ada, and half of owners report values between about $331,700 and $471,500. This is the public water and sewer side of Ada, and the FEMA sample shows no high-risk flood zone here.

Clements Mill and Cascade Road

The southwest corner, from Spaulding Avenue and Clements Mill Drive to the five-lane Cascade Road, where offices, drive-through banks and medical buildings line the street. Clements Mill, built in the 1990s, holds more than 200 houses. This block group has the widest housing mix in the township: about 940 detached houses, 230 attached homes and 240 units in larger buildings, with about 310 renter households. Typical home from 2002, owner values near $465,600, and about a fifth of the land on Grand Rapids 49546 addresses.

Grand River Drive and Roselle Park

The west bank of the Grand north of Fulton Street, along Grand River Drive and Michigan Street, with Roselle Park on the river and steep ravines beside the road. The RP-2 rural district in this northwest part requires 3 acres for a new lot. Its block group, shared with the east bank card, shows about 610 owner homes, nearly all detached, a typical home from 1994 and owner values near $674,600 with a wide margin. About two fifths of this side is high-risk flood zone, and its northern tip uses Grand Rapids 49525 addresses and Northview schools. In May 2025 the county Drain Board voted to proceed with a project sending stormwater from the Knapp Street and East Beltline area into the river here, between Three Mile and Four Mile roads.

Grand Valley Estates and the east bank

The low ground on the Grand's east bank north of Fulton Street, along Pettis Avenue, Knapp Street and Grand Valley Drive, with Chief Hazy Cloud Park on the river. Grand Valley Estates has its own township-owned water system, two wells about 120 feet deep that also serve the Forest Hills Eastern campus, separate from the Grand Rapids supply. Close to three fifths of this strip is high-risk flood zone. A finished pathway now runs along Pettis Avenue from Chief Hazy Cloud Park to Vergennes Street.

Pettis Avenue, Knapp Street and Egypt Valley

The rolling middle of the township east of the river, between Pettis and Honey Creek avenues up to Four Mile Road, with Egypt Valley Country Club on Knapp Street and the Cannonsburg State Game Area along the north line. All of its roughly 1,060 homes are detached houses, the Census counts no renters, the typical home dates from 2001 and about half of owners value theirs at $750,000 or more. The owner median, near $756,000, is the highest in the township but carries a wide margin. A little under a quarter of the land, in the northeast, is in Lowell Area Schools.

Honey Creek Avenue and Chase Lake

The northeast corner, north of about Leonard Street to the Vergennes Township line, along Honey Creek and McCabe avenues and Two Mile and Three Mile roads. Chase Lake, about 50 acres, sits in a marsh fed by Egypt Creek, and the far corner keeps working farms the county named a farmland preservation priority in 2010. The RP-1 rural district north and east of the Grand requires 5 acres and 270 feet of frontage for a new lot. Most of this corner is in Lowell Area Schools, and some homes near the east line use Lowell 49331 addresses.

Bailey Drive and Fulton Street east

The east side from about Leonard Street south, along Bailey Drive, Conservation Street, Vergennes Street and the stretch of Fulton Street that follows the river flats toward Lowell, with Seidman Park at the north edge. Ranch houses and cul-de-sacs went up along Honey Creek and Bailey from the early 1970s. Its block group, which also covers the Chase Lake corner, counts about 1,070 homes, about nine in ten of them detached, a typical home from 1980 and owner values near $540,800 with a wide margin. Schools split close to six to four between Forest Hills and Lowell here, and FEMA's high-risk zone takes about 8% of the land, near the Grand.

Schools and commute

Schools

By Census school district lines, about two thirds of Ada Township's land is in Forest Hills Public Schools, close to three tenths is in Lowell Area Schools, and about 2% in the northwest corner, west of the Grand along Grand River Drive, is in Northview Public Schools. The township's 2023 Master Plan describes the same split. Lowell's part is the northeast quarter, roughly north of Leonard Street and east of Cramton Avenue, plus a strip along the east line near McCabe and Sargent avenues. Forest Hills buildings inside the township include Forest Hills Central on Hall Street near the southwest corner, Forest Hills Eastern on Pettis Avenue east of the Grand, and Ada and Ada Vista elementaries just south of the village. The district barely moves the tax: in 2025, Michigan Treasury's homestead totals for the township came to 31.50 mills with Forest Hills, 32.42 with Lowell and 32.57 with Northview, about $108 a year apart at the widest on $100,000 of taxable value. Because the Ada ZIP code reaches into Cannon Township, an Ada mailing address can even sit in Rockford Public Schools, so the parcel record, not the ZIP code, settles the district.

Commute

Fulton Street, the state's M-21, is Ada Township's main road: a divided highway west of the village with signals at Spaulding Avenue, Bronson Street, Ada Drive and Pettis Avenue, and the route east to Lowell. I-96 does not enter the township. From the Township Hall on Thornapple River Drive, free-flow estimates put the I-96 ramp about 5 miles west along Fulton in Grand Rapids Township, Grand Rapids City Hall about 10.5 miles and 15 minutes away, downtown Lowell about 8 miles and 13 minutes, Knapp's Corner at East Beltline and Knapp Street about 13 minutes, Gerald R. Ford International Airport about 19 minutes and the Capitol in Lansing a little over an hour. The largest industrial site in the township sits on Fulton Street itself: Amway's world headquarters, plants and distribution center just north of the village, with offices along Cascade Road in the southwest corner. By Census count the average trip to work runs about 20 minutes, roughly one worker in six works from home and nearly everyone else drives (Census Reporter).

Michigan property taxes

Ada Township property taxes after you buy

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 Ada Township, our 2026 Uncapping Study found taxable value typically rises about 46% the year after a sale. On a $550,000 home, near the typical Ada Township value, that is roughly $2,810 more in first-year tax at the local median homestead millage. We build your payment on that post-sale number.

Looking at an Ada 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.

In Samantha's words

County alone does not tell you much. We would never say you are in a particular county so here are your taxes. It does not work like that. We need the actual property.

Millage next door

Ada Township's tax rate beside the towns around it

Michigan Treasury's 2025 homestead totals, in mills, with one mill equal to $1 per $1,000 of taxable value, beside the typical post-sale rise in taxable value our 2026 Uncapping Study measured for each unit. Ada's rate runs a little above most of its neighbors, while its jump at sale stays under the Kent County figure of about 52%.

Ada Township: 31.50 to 32.57 mills

Forest Hills 31.50, Lowell 32.42, Northview 32.57. On $250,000 of taxable value that is roughly $7,870 to $8,140 a year, and taxable value typically rises about 46% the year after a sale.

Cascade Township: 31.10 to 32.05

The neighbor to the south, sharing the Ada ZIP code. With Forest Hills it paid 31.13, 0.36 mills less than an Ada homestead in the same district, and its jump at sale runs about 40%.

Grand Rapids Township: 28.66 to 33.41

The neighbor to the west. Its Forest Hills parcels paid 28.66, about $284 a year less than Ada's on each $100,000 of taxable value. Typical jump at sale about 45%.

Cannon Township: 29.76 to 31.07

North of Ada, with about an eighth of the Ada ZIP code. Forest Hills parcels there paid 29.76, about $174 a year less than in Ada per $100,000, and the jump at sale is about 50%.

Vergennes Township: 29.53

East of Ada and entirely in Lowell Area Schools. About $289 a year less than an Ada homestead with Lowell schools, per $100,000 of taxable value. Its post-sale jump is close to Ada's.

An Ada rental or second home: 49.50 to 50.57

A rental or second home is not a principal residence, so the school operating levy of up to 18 mills lands on it as well. A Forest Hills parcel paid 49.50 against 31.50 for a homestead, an extra $1,800 every year for each $100,000 of taxable value. File the exemption by June 1 or November 1 for a home you live in.

Local resources

Check Ada Township records yourself

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

Due diligence in Ada

Seven things to settle on an Ada Township house

Each of these comes up often in Ada Township. Raise them before the inspection deadline, while there is still room to negotiate.

  • Water and sewer, or well and septic. The township's Utilities page posts the water quality reports for the main system and for Grand Valley Estates, and the rates from June 1, 2026: sewer at $50.18 per residential equivalent unit each month and water at $4.54 per 1,000 gallons plus a monthly readiness-to-serve charge of $22.53 for a standard township meter. Outside those areas, order the Kent County Health Department's real estate evaluation of the well and septic system early.
  • The current flood map.FEMA's Flood Map Service Center shows the current map for any address. Kent County's maps took effect February 23, 2023, and letters of map revision effective December 19, 2025 and January 2, 2026 changed parts of the township since. New buildings in the flood hazard area need their lowest habitable floor a foot above the flood elevation.
  • The zoning district. The Planning and Zoning page carries the January 2026 zoning map and the 2023 Master Plan. The district sets the lot minimum, 5 acres in RP-1, 3 in RP-2 and 2 in RR, and whether animals or an addition fit the parcel.
  • A private road. Some streets here are private roads. The zoning code calls for a recorded agreement or restrictive covenant that pays for repair and upkeep and runs with the land, so ask the seller or the title company for a copy before closing.
  • The tax calendar. The summer bill is mailed July 1 with a September 14 deadline and the winter bill December 1 with a February 14 deadline, according to the Treasurer's tax page. Taxes still unpaid on March 1 move to the Kent County Treasurer. The parks millage voters approved in August 2026 runs through 2035.
  • The homestead exemption. It removes up to 18 mills for a home you own and live in. New applications are due June 1 or November 1, and the Assessing office handles it along with the parcel record.
  • In the village, the association and the river. For a condo or townhouse, get the association's budget, reserves, insurance certificate and leasing rules, and check whether the building sits in the floodplain the village shares with the Thornapple and the Grand.

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Ada Township mortgage questions

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

The listing says Ada. Does that mean Ada Township?

Not necessarily. The Ada ZIP code, 49301, covers about 94% of the township, but only about 60% of that ZIP code is Ada Township, and Cascade and Cannon townships hold most of the remainder. The Census geocoder places 4500 Egypt Valley Ave NE, Ada in Cannon Township and Rockford Public Schools, while Forest Hills Central, at 5901 Hall St SE, Grand Rapids, sits inside Ada Township. The northwest tip uses Grand Rapids 49525 addresses and a sliver of the east line uses Lowell 49331. We confirm the taxing unit from the parcel record first, then build the payment on it.

Three districts share the township. Forest Hills Public Schools takes in about two thirds of its land, Lowell Area Schools close to three tenths in the northeast and along the east line, and Northview Public Schools about 2% in the northwest corner. The tax gap is small: Treasury’s 2025 tables put the three at 31.50, 32.42 and 32.57 homestead mills, at most about $108 a year apart on $100,000 of taxable value. Confirm the district from the parcel record or the township assessor rather than the listing.

Only in the southwest part of the township or in Grand Valley Estates. Ada Township buys treated Lake Michigan water wholesale from Grand Rapids, which also treats the township’s sewage under an agreement first signed in 1978. Those lines stay inside a southwest utility boundary meant to favor infill over rural extensions. Grand Valley Estates, near Knapp Street and Pettis Avenue, has its own two-well system. Elsewhere homes draw from private wells and drain to septic systems, so book a well and septic evaluation before your inspection deadline.

Some buyers do. Sampling FEMA’s flood map, we found about 11% of Ada Township’s land inside the high-risk zone, about three quarters of it in the Grand’s floodplain north of Fulton Street and most of the rest along the Grand southeast of the village and where the Thornapple joins it. Homes in that zone need flood insurance when the mortgage is federally backed. Kent County’s current maps took effect on February 23, 2023, and FEMA has since revised parts of the township’s map by letter, so check the address against the current map and price the policy before your offer is final.

It depends on the zoning district. For new homes the township code sets a 5-acre minimum in the RP-1 district north and east of the Grand, 3 acres in the RP-2 district west of the river in the northwest and 2 acres in the RR district, while the southwest subdivisions sit on smaller lots with public water and sewer. In the agricultural and rural districts the code allows horses, poultry and other livestock, though roosters are not allowed on parcels under 5 acres. Older lots can predate these rules, so confirm the parcel’s district with the Planning Department.

The loan amount decides it, not the purchase price. A loan over $832,750, the 2026 conforming limit, is a jumbo loan, so a home priced above that needs one only if the amount borrowed is above it too. The Census Bureau counts about one owner-occupied home in ten here valued at $1 million or more. Redfin’s recent median for the Ada ZIP code, about $750,000, still finances as a conforming loan with a modest down payment. Jumbo loans ask for more reserves and fuller documentation, so we lay out both paths when a purchase sits near the line.

On August 4, 2026, voters approved up to 1.2 mills for parks, recreation and land preservation for 2026 through 2035, succeeding the parks millage approved in 2016. At the full rate that comes to as much as $120 a year per $100,000 in taxable value, and the township estimates about $1.8 million in its first year. Treasury’s 2025 totals predate the new levy, so ask the treasurer for the current rate when you set up escrow.

Check two things first. The tax: a rental is not your principal residence, so the homestead exemption stops covering it, and the 2025 total for a non-homestead Forest Hills parcel was 49.50 mills against 31.50, which comes to roughly $1,800 more annually on $100,000 of taxable value. The rules: ask the Planning and Zoning Department how the parcel’s district treats a rental, and in a condo or townhouse community read the association’s leasing rules before you commit.

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Tell Samantha what you are trying to do in Ada Township and she will tell you what actually matters for your situation, including whether the timing is right.

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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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