Pine Creek
Surrounded by nature
Median $386K·Walkability 6.1/10·Schools 4.9/10
What surprises most people about this area is how close you are to the water—about three miles from Lake Michigan and Lake Macatawa—yet you're tucked into a residential setting where wooded lots and newer construction define the landscape. The developments here lean toward condos and townhomes with finished walkout levels, stainless steel appliances, and open floor plans that feel bright and airy; some overlook fairways or pond views within gated communities like Nautical Nook and Macatawa Legends. You'll find cathedral ceilings, two-car garages, and decks built for entertaining, alongside single-family homes on tree-lined streets in Holland charter township. Shopping and downtown are a quick drive away, and beach access to state parks sits just minutes down the road—all without that crowded lakefront feel you get closer to the shore.
Why people love it here
Near the water
- Lake Macatawa — 2.0 mi
- 5 parks within 1 mile
- Pine Wood Lake Estates Area Trail: 2 min walk
- Unnamed bike_path: 2 min walk
Very walkable
- Pine Wood Lake Estates Area Trail: 2 min walk
- 15 places within a 10 min walk
$386K median
- 120 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Pine Creek
Estimated Monthly Payment
$2,621/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.
120 homes sold in Pine Creek this year. Thinking of selling?
See what your home is worthNearest Park
Wendt Park
1.0 mi
Parks Nearby
5
within 1 mile
Nearest Lake
Lake Macatawa
2.0 mi
Walkability
Good
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Family Fare
+1 more
Thai Kafe Holland
+1 more
Starbucks Coffee Company
Rail House Grill & Billiards
+1 more
Wendt Park
Wendt Park Playground
Lake Macatawa
Unnamed beach
Beechwood Corners
Park Township Dog Park
+1 more
Pine Wood Lake Estates Area Trail
Howard Dunton Park Launch
H3alth
+1 more
144th North of Butternut (Family Fare)
+1 more
Walgreens
Herrick District Library North Branch
daycare
Sperry's Moviehouse
Based on 9 rated schools nearby
Range: 3/10 to 7/10
School District: West Ottawa Public School District
Crime in Pine Creek 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 Creek home (around $386,100) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $68k/year in household income to qualify — an estimated monthly payment of $2,568 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,568/mo | $68,482 |
| 10% (+PMI) | $2,957/mo | $78,844 |
| 5% (+PMI) | $3,087/mo | $82,309 |
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.
Land for sale
Listings
2 parcels
Active / pending
Typical Land Value
$45K/acre
Median asking
Median Price
$170K
Per listing
Who actually lends in Pine Creek, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Local Government · area-wide
Holland Charter Township
Source: hct.holland.mi.us · unconfirmed
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
Municipal / public water
Based on assessor parcel records
Municipal sewer
Based on assessor parcel records
Holland Charter Township (free seasonal disposal) + resident haulers
Township offers free trash/yard-waste disposal Apr-Oct; regular curbside via private haulers.
Consumers Energy Co|Great Lakes Energy Coop · ~13.7¢/kWh
Regional IOU; inferred (Holland BPW serves city, not township).
Confirm by addressSEMCO Energy / Consumers Energy
Regional gas utility; inferred.
Confirm by addressOttawa County Sheriff's Office
Four full-time community policing deputies via Ottawa County Sheriff.
Services for Holland · Source: hct.holland.mi.us
Utility, solar, and service details for Pine Creek 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(24)
Grocery Store
Family Fare Supermarket
Grocery Store
Supermercado Santa Fe
Grocery Store
+21 more within 5 miles
🍕 Restaurants(21)
Peppino's Pizza
Restaurant
Lemongrass Thai Sushi
Restaurant
Thai Kafe
Restaurant
Kelly's Bar & Grill
Restaurant
Thai Kafe Holland
Restaurant
+16 more within 5 miles
☕ Coffee(17)
+14 more within 5 miles
🍺 Bars(18)
RedRock Grille
Bar
LiveGolf Studios at Macatawa Golf Club
Bar
Rail House Grill & Billiards
Bar
+15 more within 5 miles
🏫 Schools(26)
+21 more within 5 miles
💪 Gyms(12)
Elite Fitness Development
Fitness Center
H3alth
Fitness Center
Journey of Hope Yoga
Fitness Center
+9 more within 5 miles
🌳 Parks(4)
+1 more within 5 miles
🐕 Dog Parks(3)
🚴 Trails(6)
Unnamed bike_path
Bike Path
Bike Path
Bike Path
Pine Wood Lake Estates Area Trail
Bike Path
+3 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
⚡ EV Charging(3)
City of Holland City Hall
EV Charging
ChargePoint
EV Charging
EV Charging
Frequently asked about Pine Creek
- What do homes cost in Pine Creek?
- The median home value in Pine Creek is about $386,100. Individual prices vary by street, size, and condition.
- How active is the Pine Creek housing market?
- there are 23 homes for sale in Pine Creek right now, and 120 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Pine Creek?
- Pine Creek is served by West Ottawa Public School District. Its highest-rated assigned school is West Ottawa High School Campus (6/10).
- Is Pine Creek walkable?
- Pine Creek scores 6.1/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Pine Creek
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.