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186 W 8th St, Holland, MI, 49423

3beds
1baths
1,163sqft
$325,000
$279price/sqft
$2,228/moest. monthly cost
$89,120/yrincome needed

About This Home

Welcome to 186 W. 8th Street, a charming 3-bedroom, 1-bath home ideally situated in one of Holland's most desirable locations. Whether you're searching for a primary residence, a weekend retreat, or an investment opportunity, this home offers an exceptional blend of comfort, convenience, and location. Just a short walk from vibrant Downtown Holland, you'll enjoy easy access to local boutiques, restaurants, coffee shops, the Holland Farmers Market, and year-round community events. Just a couple of blocks away, Kollen Park offers scenic waterfront views along Lake Macatawa, walking paths, playgrounds, a boat launch, and a variety of seasonal events and concerts. For those who love the outdoors, Holland State Park and the beautiful sandy beaches of Lake Michigan are only a short drive away, making it easy to spend your days enjoying the water, breathtaking sunsets, and the iconic Big Red Lighthouse.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

7/10
WestGrades PK-51.3 mi
4/10
Holland Middle SchoolGrades 6-81.6 mi
6/10
Holland High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1911

Materials

  • Roof: Composition
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen
  • Window features: Replacement
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Wall Furnace
  • Cooling features: Attic Fan

Interior Area

  • Total structure area: 1,163
  • Total interior livable area: 1,163 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,36 Inch Entrance Door,Accessible Electric Controls,Accessible Mn Flr Full Bath

Details

  • Parcel number: 701629301006

Features

  • Stories: 2
  • Fencing: Chain Link

Lot

  • Lot size: 5,662 sqft
  • Features: Corner Lot,Ground Cover,Shrubs/Hedges
  • Lot size dimensions: 42 x 136

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Tsunami

FEMA Declared Disasters in Ottawa County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,643$19,716
Home Insurance *$119$1,428
Property Taxes $278$3,336
Electricity $188$2,259
Total$2,228$26,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,388/yr
40% on housing$66,840/yr
45% on housing$59,413/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 49423$245
Ottawa County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 49423$227
Ottawa County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$325,000
2026-07-28Listed for sale$325,000
2017-02-28Sold$110,000
2016-11-10Pending sale$89,500
2016-10-10Listing removed$89,500
2016-09-30Listed for sale$89,500

For Sale by Agent

AgentJunior Martinez
BrokerageThe Local Element

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