14013 Garfield St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 14013 Garfield St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Lot Size	10 acres (436,907 sqft)
Owner	Individual Name on Record
Last Sale	$479,900 (Apr 2019)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-04-30-400-027`

Property Details

APN / Parcel Number

Primary APN	`70-04-30-400-027`
Alternative APN	`70-04-30-300-022`

Exterior

Lot Area	436,907 sqft

Location & Zoning

Street Address	14013 GARFIELD ST
City	SPRING LAKE
State	MI
Zip	49456-9536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF SW FRL 1/4 & SE 1/4 BEG S 1/4 COR, TH N 89D 01M 29S W 106733 FT, N 34D 52M 18S E 159043 FT, S 88D 52M 27S E 150 FT, S
Legal Range	15W
Legal Township	08N
Legal Section	30
Jurisdiction	OTTAWA MI
Township / Civil Division	CROCKERY
Census Block Group	3
Census Block	3030
Census Tract	20400

Owner

Source: Ottawa County records, as of July 10, 2023

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
Co-owner	Co-owner on Record
Mailing Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Apr 29, 2019	Warranty Deed, Transfer · ARM CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Jun 28, 2010
Deed Document Number	2019-0013466
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210007728
Date	Feb 10, 2021
Instrument	2021-0007728

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190039930
Date	Oct 30, 2019
Instrument	2019-0039930

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536
Transaction Type	Mortgage
Record Updated	May 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536

Mortgage

Document Number	20220005871
Date	Feb 14, 2022
Instrument	2022-0005871

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 29, 2019
Property Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536
Document Number	20190013466
Instrument Date	Apr 26, 2019
Instrument	2019-0013466
Transaction Type	Transfer
Record Updated	May 3, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14013 GARFIELD ST, SPRING LAKE, MI 49456-9536

Mortgage

Document Number	20190013467
Date	Apr 29, 2019
Instrument	2019-0013467

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of March 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$361,500	$723,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garfield St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures