Schools
West Ottawa Public Schools' high school north campus is in Park Township, and parts of the township are in other districts, so confirm the district for the specific address.
Ottawa County, Michigan
Mortgage Broker in Park Township, MI
Local mortgage guidance for Park Township buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
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Buying a home in Park Township
Park Township is an Ottawa County township on Lake Macatawa and the Lake Michigan shore west of Holland, home to about 19,100 residents in the Census Bureau's 2024 estimate. Lake Macatawa cuts the southern part of Park Township off from the rest, and the Macatawa community near Lake Michigan, once a resort area for Chicago visitors, is now cottages. The median household income in Park Township is near $110,400.
By the numbers
Park Township housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$393,000
Typical home value, from the market research on this page
+50%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.01%
Effective property tax rate, as a share of value
1
Residential ZIP code: 49424
What financing looks like in Park Township
Most homes here finance inside the 2026 conforming limit of $832,750, so conventional, FHA and VA are all in play. Lakefront homes can need a jumbo loan. On the water, check the FEMA flood map for the address early: flood insurance is required on a federally backed loan in a Special Flood Hazard Area, and the premium is part of the payment. Second homes are common here, and we finance those too. 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. We run the numbers with your actual taxes and insurance before you write an offer.
Nearly every Park Township purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Park Township housing market
The typical home value in Park Township is near $393,200, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 7,000 owner-occupied homes here. The median year built is 1984, and Park Township ranges from lakefront and Lake Michigan shoreline homes to established subdivisions inland. Homeowners pay a median of about $3,970 a year in property taxes, an effective property tax rate of about 1.01% of the median value.
Where to look
Park Township neighborhoods
Macatawa
near Lake Michigan on Lake Macatawa, a former resort area that is now cottages.
Beechwood
on the north shore of Lake Macatawa, mostly in neighboring Holland Township.
Schools and commute
Commute
Downtown Grand Rapids is about 27 miles east.
Michigan property taxes
Park 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 Park Township, our 2026 Uncapping Study found taxable value typically rises about 50% the year after a sale: roughly $1,510 more in first-year tax on a $300,000 home at the local homestead millage. We build your payment on that post-sale number.
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.
Local resources
Check Park Township records yourself
The official offices behind the tax and school details on this page.
- Park Township Assessor's Office, for parcel records and current taxable value
- West Ottawa Public Schools, for district boundaries and enrollment
- Ottawa County Equalization Department, for county property tax records
What our clients say
★★★★★
Samantha was absolutely wonderful to work with when we purchased our new home last month. She made herself available day and night for us and was always able to quickly respond to our questions. She made the entire process so comfortable and easy. 10/10 would highly recommend!!
★★★★★
Samantha and align lending are always a pleasure to work with. I recommend my clients here and they always are quick to help, knowledgeable and make the process as smooth as possible. We will definitely keep using them for our mortgage needs in the future.
★★★★★
The pre-approval process for my home search in Bloomfield Hills was fast and organized. Samantha answered all my questions and helped me feel confident moving forward.
★★★★★
Align Lending helped make purchasing my home in Madison Heights a smooth experience. I appreciated the regular updates and clear explanations along the way.
★★★★★
I highly recommend Align Lending to anyone looking for a mortgage broker in Southeast Michigan. The team was knowledgeable, responsive, and easy to work with.
★★★★★
As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
Individual experiences. Results vary.
Park Township mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the typical home value in Park Township, MI?
The Census Bureau’s American Community Survey puts the median owner-occupied home value near $393,200. Individual homes and neighborhoods range well above and below that.
What ZIP codes cover Park Township?
Park Township is mainly in ZIP codes 49424, 49423 and 49434. A mailing address does not always match the community that sets the taxes, so check the parcel.
How will my property taxes change after I 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 Park Township the median homeowner pays about $3,970 a year, and we estimate the post-sale figure for the home you choose.
Can I finance a second home or lakefront cottage in Park Township?
Yes. Second-home loans follow their own down payment and reserve rules, and lakefront appraisals rest on fewer comparable sales. Start early on both.
Communities near Park Township
Ottawa County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in Park Township and she will tell you what actually matters for your situation, including whether the timing is right.
- 1
Tell us what you are trying to do
Not what product you want. What you are actually trying to accomplish.
- 2
We look at your situation
A licensed Align loan officer works out what matters most for you specifically.
- 3
You leave with a plan
Your options, the tradeoffs, and your next step. No obligation to go further.
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.
