118 Maple Ter, Spring Lake, MI 49456 Property Records

Ottawa County property record for 118 Maple Ter, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,788 sqft · built 1915
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2021)
Tax Bill	$7,883 (2025)
Deeds & Mortgages	Aug 2021 Sale Oct 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-477-008`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-477-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,788 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 MAPLE TER
City	SPRING LAKE
State	MI
Zip	49456-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 5 MAPLE TERRACE PLAT VILLAGE OF SPRING LAKE
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	MAPLE TERRACE PLAT
Legal Block	477
Legal Lot Number	5
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3009
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	118 MAPLE TER, SPRING LAKE, MI 49456-1718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Warranty Deed, Transfer
Oct 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 6, 2020	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Jun 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Jun 10, 2004 · Amount on Record
Deed Document Number	202141262
Prior Transfer Date	Mar 6, 2015
Prior Transfer Doc	20150010816
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 12, 2021
Property Address	118 MAPLE TER, SPRING LAKE, MI 49456-1718
Document Number	20210041262
Map Reference	LB 7 PG 3
Instrument Date	Aug 12, 2021
Instrument	2021-0041262
Transaction Type	Transfer
Record Updated	Aug 26, 2021

Transaction

Amount	Amount Recorded
Tax	$2,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 MAPLE TER, 118, SPRING LAKE, MI 49456-1718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23220 MYSTIC FOREST DR, NOVI, MI 48375-4013

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	118 MAPLE TER, SPRING LAKE, MI 49456-1718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170040442
Date	Oct 30, 2017
Instrument	2017-0040442

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Lending Institution
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	118 MAPLE TER, SPRING LAKE, MI 49456-1718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200039100
Date	Sep 10, 2020
Instrument	2020-0039100

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	118 MAPLE TER, SPRING LAKE, MI 49456-1718
Transaction Type	Mortgage
Record Updated	Feb 24, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200004951
Date	Feb 6, 2020
Instrument	2020-0004951

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	118 MAPLE TER, SPRING LAKE, MI 49456-1718
Transaction Type	Mortgage
Record Updated	Jul 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190020530
Date	Jun 21, 2019
Instrument	2019-0020530

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$141,700 (-2.41%)	$283,400 (-2.41%)
2025	$7,883.00 (+13.26%)	$145,200 (+9.01%)	$290,400 (+9.01%)
2023		$133,200	$266,400
2022	$6,960.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · rainfall accumulation

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 369 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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