108 E Ann St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 108 E Ann St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,268 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Mar 2017)
Tax Bill	$2,599 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-22-131-002`

Property Details

APN / Parcel Number

Primary APN	`70-03-22-131-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,268 sqft Living Area
1st Floor Area	884 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	228 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 E ANN ST
City	SPRING LAKE
State	MI
Zip	49456-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 2 BLK 7 HAIRE, TOLFORD & HANCOCK'S ADD TO THE VILLAGE OF SPRING LAKE
Legal Range	16W
Legal Township	8N
Legal Section	22
Legal Subdivision	TOLFORD & HANCOCKS ADD
Legal Block	7
Legal Lot Number	2
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2003
Census Tract	21100

Owner

Source: Ottawa County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 E ANN ST, SPRING LAKE, MI 49456-2034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Mar 3, 2017	Warranty Deed, Transfer · FHA Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	Sep 26, 2014 · Amount on Record
Deed Document Number	20177717
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Apr 17, 2026
Property Address	108 E ANN ST, SPRING LAKE, MI 49456-2034
Document Number	0000010996
Instrument Date	Apr 13, 2026
Instrument	202610996
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E ANN ST, SPRING LAKE, MI 49456-2034

Mortgage

Document Number	0000010996,
Date	Apr 17, 2026
Instrument	202610996

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	108 E ANN ST, SPRING LAKE, MI 49456-2034
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E ANN ST, SPRING LAKE, MI 49456-2034

Mortgage

Document Number	20210054989
Date	Nov 3, 2021
Instrument	2021-0054989

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 3, 2017
Property Address	108 E ANN ST, SPRING LAKE, MI 49456-2034
Document Number	20170007717
Map Reference	LB1 PG70
Instrument Date	Feb 27, 2017
Instrument	2017-0007717
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	GRAND RAPIDS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,186.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 E ANN ST, 108, SPRING LAKE, MI 49456-2034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E ANN ST, SPRING LAKE, MI 49456-2034

Mortgage

Document Number	20170007718
Date	Mar 3, 2017
Instrument	2017-0007718

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
County Subdivision	Spring Lake Township
Municipality	Spring Lake Village
Unified School District	Spring Lake Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$118,400 (+6.38%)	$236,800 (+6.38%)
2025	$2,599.00 (+16.29%) Homeowner's exemption	$111,300 (+9.33%)	$222,600 (+9.33%)
2023		$101,800	$203,600
2022	$2,235.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (1986–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Apr 2020 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRING LAKE TOWNSHIP serves 9,393 people · EPA ID MI0006235
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Nov 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

108 E Ann St, Spring Lake, MI 49456 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Ann St

Nearby Streets

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