Pine Bay Sub
Great schools with outdoor access
Median $1.0M·Walkability 2.6/10·Schools 5.3/10
Biking through Pine Bay Sub feels like you've landed somewhere that figured out the math: nine acres of half-acre lots means actual breathing room without the isolation. You'll bump into restaurants and coffee within walking distance—a coffee shop less than a mile away, and thirty of them within the neighborhood perimeter—which beats the suburban dead zone most subdivisions accept as standard. The Stu Visser Trails are a nine-minute walk, so morning runs don't require a car.
Why people love it here
Near the water
- Lake Macatawa — 1.1 mi
- 10 parks within 1 mile
- Unnamed bike path: 3 min walk
- Douglas Avenue & West 11th Street Area Trail: 3 min walk
$1.0M median
- Based on 3yr sales
Conventional Mortgage Calculator
Median home price in Pine Bay Sub
Estimated Monthly Payment
$6,975/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Flood Risk
None
Not in flood zone
Nearest Park
Stu Visser Trails
0.4 mi
Parks Nearby
10
within 1 mile
Nearest Lake
Lake Macatawa
1.1 mi
Based on 10 rated schools nearby
Range: 3/10 to 9/10
School District: West Ottawa Public School District
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Holland Supermarket
Beechwood Grill
Kin Coffee and Craft House
+1 more
Tommygun Tavern
+1 more
Stu Visser Trails
Beechwood PlayZone
Lake Macatawa
Unnamed beach
Loop 4
Park Township Dog Park
Unnamed bike path
Howard Dunton Park Launch
gym
+1 more
Howard & Jackson (Dunton Park)
CVS Pharmacy
Theil Research Center
daycare
Sperry's Moviehouse
Crime in Pine Bay Sub is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Ottawa County.
Ottawa County crime & safety stats →To buy a median-priced Pine Bay Sub home (around $1,027,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $182k/year in household income to qualify — an estimated monthly payment of $6,834 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $6,834/mo | $182,245 |
| 10% (+PMI) | $7,868/mo | $209,821 |
| 5% (+PMI) | $8,214/mo | $219,042 |
Estimates use a 6.49% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$880/yr in electricity from a typical rooftop solar system
Produces ~6,416 kWh/yr · offsets ~61% of a typical home's use
Park Township (partly served via Holland Charter Township) / private well
Portions served by Holland Charter Twp water; rural areas on wells.
Park Township / Septic - individual
Partial sewer service; remaining areas on septic.
Resident-arranged hauler + township yard-waste sites
Curbside via private haulers; township provides yard-waste recycling locations.
SEMCO Energy / Consumers Energy
Regional gas utility; inferred.
Confirm by addressOttawa County Sheriff's Office
Sheriff E-Unit/community policing deputies funded by township millage, in partnership with Holland Twp.
Services for Park · Source: parktownship.org
Utility, solar, and service details for Pine Bay Sub are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
🛒 Grocery(25)
Holland Supermarket
Grocery Store
Supermercado La Excelencia
Grocery Store
Grocery Store
+22 more within 5 miles
🍕 Restaurants(10)
Restaurant
Dutch Brothers Restaurant
Restaurant
Restaurant
Sluggo's Pizzeria
Restaurant
Fast Food
+5 more within 5 miles
☕ Coffee(16)
+13 more within 5 miles
🍺 Bars(12)
+9 more within 5 miles
🏫 Schools(27)
+22 more within 5 miles
💪 Gyms(12)
Elite Fitness Development
Fitness Center
Fitness Center
Fitness Center at Douglas Avenue & North River Avenue
Fitness Center
+9 more within 5 miles
🌳 Parks(3)
🐕 Dog Parks(3)
🚴 Trails(4)
Bike Path
Bike Path
Unnamed bike_path
Bike Path
Douglas Avenue & West 11th Street Area Trail
Bike Path
+1 more within 5 miles
⛵ Boat Launches(3)
Boat Launch
Boat Launch
Boat Launch
🚌 Transit(30)
Transit Stop
Transit Stop
Transit Stop
+27 more within 5 miles
💊 Pharmacies(4)
+1 more within 5 miles
👶 Childcare(4)
Little Kingdom Warriors Academy LLC.
Childcare Center
Childcare Center
Toddlerville
Childcare Center
+1 more within 5 miles
🏥 Hospitals(1)
Hospital
📚 Libraries(4)
+1 more within 5 miles
⚡ EV Charging(3)
City of Holland City Hall
EV Charging
ChargePoint
EV Charging
EV Charging
Frequently asked about Pine Bay Sub
- What do homes cost in Pine Bay Sub?
- The median home value in Pine Bay Sub is about $1,027,500. Individual prices vary by street, size, and condition.
- What schools serve Pine Bay Sub?
- Pine Bay Sub is served by West Ottawa Public School District. Its highest-rated assigned school is Waukazoo Elementary School (7/10).
- Is Pine Bay Sub walkable?
- Pine Bay Sub scores 2.6/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.