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Allegan County, Michigan

Mortgage Broker in Laketown Township, MI

Laketown Township runs from the Lake Michigan dunes inland across Allegan County, with a Holland mailing address and three school districts setting the tax rate parcel by parcel.

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

Laketown Township, in Allegan County, is home to about 6,115 residents in the Census Bureau's 2020 to 2024 American Community Survey (5,928 in the 2020 census) across about 22 square miles of land. Its ZIP codes also reach into Holland, Holland Township and Park Township, so the parcel record, not the mailing address, shows which unit's tax rates apply. Downtown Holland is about 5 miles northeast in a straight line, and downtown Grand Rapids is about 30 miles northeast in a straight line.

By the numbers

What do the numbers say about Laketown Township housing?

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

$399,000

Typical home value, from the market research on this page

+53%

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

2

Residential ZIP codes: 49423, 49453

What does financing look like in Laketown Township?

The Census Bureau's 2020 to 2024 American Community Survey puts the typical Laketown Township home value near $399,000, with a margin of about $31,954, a median year built of 1987 and 2,292 owner-occupied homes among 2,497 occupied homes. Values differ a good deal inside the township: block group medians run from $296,200 near Wolters Woods in the north to $559,800 along the lakeshore, and the lakeshore figure carries a wide margin of about $112,839. Loan limits for 2026 are $832,750 for conforming loans and $541,287 for FHA, and the loan limits tool shows Allegan County's exact figures. The Michigan property tax calculator looks up the published millage for an address, which matters here because three school districts apply.

Several local details change a loan file more than the price does. Some parcels use private wells and septic systems, and the Holland Board of Public Works lists Laketown Township in its wastewater service area, so sewer depends on the parcel. The township posts water and sewer rates on its ordinances page. A lakefront or dune parcel calls for a check of the FEMA flood map for the address, and in a high-risk zone the lender requires flood insurance. State dune rules under EGLE's permit program cover critical dune areas, so building plans on dune land start with a permit question. The Census counts 146 manufactured homes among 2,852 housing units, about 5%, and they follow their own manufactured home loan rules. A mortgage broker in Michigan who knows these steps can line up the FHA, conventional or USDA options with the USDA address check before an offer.

Other paths depend on the home. A house on a well adds a water question to the inspection, and the well water guide explains how it affects value. New construction follows the construction loan guide, a second home near the lake follows the second home guide, and a condominium unit follows condominium financing. Homes priced above the conforming limit are a jumbo loan question, and a veteran buyer can compare VA loans. Budget with the mortgage calculator, the home affordability calculator and the budget review, compare closing costs and down payment assistance, or start a conversation about the home you have in mind. The Michigan mortgage page and the full list of calculators cover the rest, including the transfer tax calculator.

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A Laketown Township home with a Holland mailing address is taxed by Allegan County and the Ottawa Area Intermediate School District, and one of three school districts, Saugatuck, Hamilton or Holland, receives the largest share of the bill.

The market

What is the Laketown Township housing market like?

The Census Bureau's American Community Survey counts about 2,292 owner-occupied homes in Laketown Township, with a median year built of 1987. The typical home value in Laketown Township is near $399,000. Homeowners pay a median of about $3,777 a year in property taxes, an effective rate of about 0.95% of the median value.

Inside the township

How Laketown Township homes differ block group to block group

Figures come from the Census Bureau's American Community Survey profile and the Census block group tables behind it, 2020 to 2024, and the ZIP checks use Census boundary data. The profile page lists the township totals.

How do home values vary across the township?

The American Community Survey reports a median owner value of $296,200 in the north near Wolters Woods, $366,500 on the 60th Street side, $438,000 along 138th Avenue and $559,800 on the lakeshore block group, whose margin of about $112,839 is wide. Every figure is a block group median, so one street can sit well above or below it.

What kinds of homes does the Census count?

Of 2,852 housing units, the Census counts 2,153 detached houses, about 75%, plus 336 attached single-unit homes, 77 units in buildings of 2 to 4, 140 units in buildings of 5 or more and 146 manufactured homes. Owners occupy 2,292 of 2,497 occupied homes.

Is there more than one ZIP code in Laketown Township?

ZIP 49423 covers nearly all of it. ZCTA point checks put a thin strip of the southern edge in Saugatuck's ZIP 49453, while the township hall, the beach, Shore Acres Park, Farview Nature Park, Huyser Farm Park and Saugatuck Dunes State Park all test as 49423.

Where to look

Which neighborhoods make up Laketown Township?

Laketown Beach and the 142nd Avenue shore

Laketown Beach Park at 6710 142nd Avenue is the township's oldest park, with the original beach land acquired in 1926 and dunes rising above Lake Michigan. This stretch sits in Block Group 3 of Census tract 302 and in the Saugatuck school district. The American Community Survey median value there is $559,800, the highest in the township, with a wide margin of about $112,839, and the typical home was built in 1977. Dune parcels bring a flood map check and, in a critical dune area, a state permit step.

Castle Park, Kelly Lake and the Dune Pines preserve

OpenStreetMap places Kelly Lake and the Dune Pines Nature Preserve in an area it calls Castle Park, and the township's parks page lists both the Dune Pines and Castle Park nature preserves. The point checked at Kelly Lake falls in ZIP 49423, the Holland school district and the same block group as the beach, with a median value of $559,800, a median year built of 1977 and about 508 owner-occupied homes. Treat the figures as a guide for the whole block group.

Gilligan Lake and Huyser Farm Park

Gilligan Lake lies a short way inland from the 142nd Avenue shore, and Huyser Farm Park, 102 acres at the corner of 64th Street and 142nd Avenue, sits roughly a mile east of it. Both points fall in the Saugatuck school district and in the block group with a $559,800 median value and a 1977 median year built. Because that block group holds about 508 owner homes and a margin of about $112,839, the lakeshore and the inland parcels share one wide range.

Township Hall and Beeline Road

The township hall at 4338 Beeline Road, with Township Hall Park and two pickleball courts behind it, sits in ZIP 49423 and the Hamilton Community Schools district, still inside Block Group 3 of tract 302. Beeline Road is the route to Saugatuck, about 11 minutes by OSRM routing without traffic. The board meets here on the second Wednesday at 6 p.m. The block group reports a $559,800 median value, so a Hamilton parcel here is better judged by comparable sales than by that average.

Shore Acres Park, the Felt Estate and Saugatuck Dunes State Park

Shore Acres Township Park at 6602 138th Avenue, the Felt Estate at 6597 138th Avenue and Saugatuck Dunes State Park at 6575 138th Avenue share the same stretch of road, all in ZIP 49423 and the Saugatuck school district. Block Group 3 of tract 324.02 reports a median value of $438,000, a margin of about $57,731, a median year built of 1991 and about 436 owner-occupied homes.

Goshorn Lake and the southern edge

Goshorn Lake sits near the township's southern line, in ZIP 49423 and the Saugatuck school district, within the same block group as Shore Acres. Census tract 324.02 as a whole reports a median value of $340,200, a margin of about $43,954 and a median year built of 1980, and that tract runs past the township line into Fillmore Township. A thin strip of the southern edge falls in Saugatuck's ZIP 49453, so confirm the ZIP on the parcel record.

Farview Nature Park and the 138th Avenue east side

Farview Nature Park at 6257 138th Avenue covers 87 acres with one-and-a-half miles of trails and the former Interurban railbed. The address falls in ZIP 49423 and the Hamilton Community Schools district, in the same block group as Shore Acres: a median value of $438,000, a margin of about $57,731 and a median year built of 1991. Hamilton's homestead rate is 29.0039 mills, about 0.18 mill above Saugatuck's.

60th Street and the Graafschap fire station side

The Graafschap fire station at 4534 60th Street is also an Allegan County polling place for the township, and it sits in ZIP 49423 and the Hamilton school district. Block Group 1 of tract 302 reports a median value of $366,500, a margin of about $59,244, a median year built of 1975 and 383 owner-occupied homes out of 408 occupied homes. The township lists the Graafschap Fire Department among its taxing authorities.

Wolters Woods and the north edge near 147th Avenue

Wolters Woods at 6281 147th Avenue is about 37 acres with a playground, pavilion and nature trails along a creek. The address falls in ZIP 49423 and the Holland City school district, in Block Group 1 of tract 326: a median value of $296,200, a margin of about $24,696, a median year built of 1993 and 643 owner-occupied homes. This small block group may reach across the township line, so use the figures as a guide only.

Schools and commute

Schools

Three school districts tax Laketown Township parcels, according to the township treasurer: Hamilton Community Schools, Saugatuck Public Schools and Holland Public Schools. By 2020 Census housing units, Hamilton covers about 44% of the township's homes (1,225 of 2,787), Holland Public Schools about 38% (1,046) and Saugatuck about 19% (516). By land, a grid of sample points across the township boundary puts about half the township in Hamilton, about 35% in Saugatuck and about 15% in Holland, so Holland's share is smaller by land than by homes. Michigan Treasury's 2025 table lists the homestead rate as 28.8256 mills for Saugatuck, 29.0039 mills for Hamilton and 32.3343 mills for Holland, and the non-homestead rate as 46.8256, 47.0039 and 50.3343 mills. A mill is $1 for each $1,000 of taxable value, so at $200,000 of taxable value the Holland rate runs about $702 a year above Saugatuck's and Hamilton's runs about $36 above Saugatuck's. The district follows the parcel, not the Holland mailing address or ZIP 49423, so ask for the school code on the tax record. The township also reports that the district you live in sets your voting precinct and which extra millages apply, such as the aquatic center millage collected in the Holland district only.

Commute

Laketown Township Hall at 4338 Beeline Road is about 5.8 miles and 11 minutes from downtown Holland by way of 62nd Street, 147th Avenue and West 40th Street, and about 6.9 miles and 11 minutes from downtown Saugatuck by way of Beeline Road and 64th Street, from OSRM routing without traffic. Grand Rapids is about 33.4 miles and 43 minutes by 144th Avenue, West 64th Street and I-196. Zeeland is about 12.0 miles and 19 minutes, Allegan about 24.4 miles and 34 minutes on M-40, and Kalamazoo about 51.0 miles and 65 minutes. Gentex, with its headquarters at 600 N. Centennial Street in Zeeland, is a nearby employer. Allegan County Transportation is a reservation-based service open to township addresses, and the township's page lists the 2026 adult fare as $2 one way.

Day to day

Living in Laketown Township

Parks, errands, events, seasonal township tasks and the kinds of homes you will see, from the township's parks page, the DNR's Saugatuck Dunes State Park page, the Felt Estate, the township calendar, the township treasurer, the township's frequently asked questions, the Herrick District Library locations, the Graafschap Fire Department and the other sources named in each card.

What is there to do around Laketown Township?

The township lists seven township parks beside Saugatuck Dunes State Park, which the DNR describes with 2.5 miles of Lake Michigan shoreline and 13 miles of trails. Shore Acres Park has a 19-hole disc golf course and bike trails on 40 acres, Farview Nature Park has 87 acres and one-and-a-half miles of trails, Huyser Farm Park has 102 acres with a 6.5-acre organic blueberry field where the summer fruit is free to pick, Sanctuary Woods has 40 acres with 170 steps to dune trails, Wolters Woods has about 37 acres with a playground and pavilion, and Laketown Beach at 6710 142nd Avenue is open dawn to dusk.

Where do people run errands?

Downtown Holland is about 5.8 miles and 11 minutes from the township hall and downtown Saugatuck about 6.9 miles and 11 minutes, by OSRM routing without traffic. The township pays into Herrick District Library, whose main library is at 300 S. River Avenue in Holland, and the Holland Park Township 24-hour library at 30 152nd Avenue is open around the clock. The township's page lists Comcast fiber through most of the township and Charter Communications in the north.

What happens here through the year?

The Felt Estate at 6597 138th Avenue holds its 2026 Holiday Unveiling, Christmas on the Mother Road, from 6 to 9 p.m. on Saturday, November 28, 2026, with a Route 66 centennial theme, more than 70 trees and about 80,000 lights. The township board meets November 11 and December 9, 2026 at 6 p.m. and the Parks Commission on November 18. Volunteers rebuilt a section of the Shore Acres bike trail on October 31, 2026, and Outdoor Discovery Center ran free parks programs through the spring of 2026.

What does each season mean for a homeowner?

Summer tax bills are mailed July 1 and due September 14, and winter bills are mailed December 1, 2026 and due February 14, 2027. A burn permit is free, and you call the Graafschap Fire Department at 616-396-4060 on the day you plan to burn, with odd days only in a subdivision. The Allegan County Road Commission plows public roads, and a homeowners association handles private ones. The township is funding grass plantings to stabilize the dunes at Laketown Beach.

Which kind of home are you after?

Detached houses are the largest group, 2,153 of 2,852 units in the American Community Survey. Lakeshore and dune homes sit in the west near 142nd Avenue and 138th Avenue and bring a flood map check and, on critical dunes, a state permit step. Inland acreage and rural parcels usually mean a well and septic system. The 336 attached homes and 146 manufactured homes finance differently from a detached house, so the loan type is worth settling first.

Michigan property taxes

What will my property taxes be after I buy in Laketown 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 Laketown Township, our 2026 Uncapping Study found taxable value typically rises about 53% the year after a sale. On a $400,000 home, near the typical Laketown Township value, the first-year tax goes up roughly $1,990 to $2,230, depending on the school district. The largest share of homes here is in Hamilton schools (about $2,000); Holland schools homes run about $2,230 and Saugatuck schools homes about $1,990. Your address decides which applies. We build your payment on that post-sale number.

Looking at a Laketown 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

In Michigan, don't just look at the current tax bill. Understand what could happen after ownership changes.

Three rates, one township

Laketown Township millage by school district

The rate on a Laketown Township bill depends on the school district and the Principal Residence Exemption status of the parcel.

In Michigan, a home's taxable value is capped while one owner holds it. The year after it sells, that cap comes off and taxable value resets to the state equalized value, which is half of the assessor's estimate of market value, not automatically half of what you paid.

Michigan Treasury's 2025 table lists three rate sets for Laketown Township. Saugatuck Public Schools parcels carry 28.8256 mills homestead and 46.8256 non-homestead, Hamilton Community Schools parcels 29.0039 and 47.0039, and Holland Public Schools parcels 32.3343 and 50.3343. At $200,000 of taxable value the homestead bills come to about $5,765, $5,801 and $6,467 a year, an illustration of the arithmetic only, since the home's own taxable value after a sale is what counts. The Census reports a median of about $3,777 a year in property taxes across the township.

The township treasurer collects the bills for the State Education Tax, Allegan County, the Ottawa Area Intermediate School District, the school district, the township and Graafschap Fire Department, and Herrick District Library, with a Holland aquatic center millage in the Holland district only. The township's tax page has the 2026 and 2027 due dates and online payment, and the Treasury rate table has every rate. Run an address through the property tax calculator and read how taxable value works before you set a budget.

Local resources

Check Laketown Township records yourself

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

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Laketown Township mortgage questions

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

Is Laketown Township the same as Holland?

No. Laketown Township is a separate township in Allegan County, even though its mail goes to Holland, Michigan, ZIP 49423. The township office is at 4338 Beeline Road, and the Holland Board of Public Works lists Laketown Township in its wastewater service area. The township treasurer collects the property tax bills, so the parcel record, not the mailing city, shows which rates apply. A thin strip of the southern edge falls in Saugatuck’s ZIP 49453.

One of three: Saugatuck, Hamilton or Holland, depending on the parcel. By 2020 Census housing units about 44% of the township’s homes are in Hamilton, 38% in Holland and 19% in Saugatuck. The district follows the parcel, so ask for the school code on the tax record or look up the address with the Michigan property tax calculator. The township’s treasurer page explains that the district also sets your voting precinct.

Holland’s homestead rate is the highest of the three. Michigan Treasury’s 2025 table lists 28.8256 mills for Saugatuck, 29.0039 mills for Hamilton and 32.3343 mills for Holland, and 46.8256, 47.0039 and 50.3343 mills for non-homestead property. At $200,000 of taxable value, 28.8256 mills is about $5,765 a year and 32.3343 mills is about $6,467, a gap of about $702. The rates also change with the Principal Residence Exemption status.

Assessor Don Jollay handles assessing at the township hall, 616-335-3050, and the township’s assessing page explains notices and uncapping. A property that qualifies for the Principal Residence Exemption is exempt from the 18 mills for school operating costs, which is why the non-homestead rates above run exactly 18 mills higher. You can claim it on only one property, using the affidavit on the township’s forms page.

Some parcels do and some use private wells and septic systems. The Holland Board of Public Works lists Laketown Township in its wastewater service area, and the township posts water and sewer rates on its ordinances page. For an owner-occupied primary residence, Community Action of Allegan County reports funding for well and septic repair or replacement, with income rules. Ask the township which service applies to the parcel before an offer.

It depends on the parcel’s flood zone, which the FEMA map shows by address. Check the FEMA Map Service Center for the address, and if it falls in a high-risk zone the lender requires flood insurance. Critical dune areas also carry state permit steps through EGLE. Our flood zone guide and waterfront property guide cover the questions to ask.

The township’s zoning rules changed on May 13, 2026. According to the township, the ordinance took effect May 26, 2026 and prohibits stand-alone homes as short-term rentals in all residential zoning districts, while rentals already registered and licensed may continue under their approvals. Call Community Development Director Michelle Sall at 616-335-3050 before counting on rental income.

Summer bills are mailed July 1 and due September 14, and winter bills are mailed December 1, 2026 and due February 14, 2027, according to the township treasurer. Deferred parcels are due February 16, 2027, and March 1, 2027 is the last day to pay before taxes go to the county. Pay by mail, in person or online at the township taxes page, and ask your lender whether an escrow account will pay the bills.

Before you write an offer

Things to settle on a Laketown Township house

Rules and contacts for each item are on the township's permits and forms page and frequently asked questions page, and in the septic system guide.

Well and septic or public sewer?

Confirm for the parcel whether it is on a well and septic system or on public sewer. The Allegan County Health Department reports that it evaluates existing wells at the request of a lender or buyer, and a lender may ask for the results.

What does the FEMA map say for the address?

Look up the flood zone before you commit. In a high-risk zone the lender requires flood insurance, and a lakefront or dune parcel may also need a state dune permit before any building work.

What are the short-term rental rules?

The zoning ordinance effective May 26, 2026 prohibits stand-alone homes as short-term rentals in residential districts, while registered and licensed rentals continue under their approvals. Call the township office at 616-335-3050 for the parcel's district.

Who plows and maintains the road?

The Allegan County Road Commission maintains public roads and plows them, including the shoulder, at 269-673-2184. For a private road, the township says to contact the homeowners association.

Which permits did the last owner pull?

The township issues building, plumbing, electrical, mechanical, pond and demolition permits, and a building inspector reviews them at 616-346-0046. Ask for the permit history on any addition or finished basement.

Which tax rate applies to the parcel?

Read the school code and Principal Residence Exemption status on the tax record. The same house can fall under 28.8256, 29.0039 or 32.3343 homestead mills depending on the district.

Communities near Laketown Township

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Guides for Laketown Township buyers

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Sources

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

36 sources behind the Laketown 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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