Ottawa County property record for 14909 Hickory St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1950 |
| Lot Size | 1.43 acres (62,683 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,001 (Apr 2026) |
| Tax Bill | $3,327 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Mar 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-01-100-025 |
| Primary APN | 70-03-01-100-025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 62,683 sqft (1.43 acres) |
| Lot Dimensions | 627 ft deep x 100 ft wide |
| Garage Area | 880 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 14909 HICKORY ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | E 100 FT OF SW 1/4 OF SE 1/4 OF NW 1/4 SEC 1 T8N R16W |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 01 |
| Legal Block | 100 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20503 |
Source: Ottawa County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Mar 29, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 15, 2007 | Deed of Trust, Mortgage NPB MORTGAGE LLC |
| Apr 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED |
| Apr 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED |
| Dec 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2026 · Amount on Record |
| Deed Sale | Apr 2, 2026 · Amount on Record |
| Prior Sale | Dec 31, 2019 · Amount on Record |
| Deed Document Number | 20268906 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20200040498 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020-0040498 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Document Number | 20220011890 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022-0011890 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 005523/766 |
|---|---|
| Date | Oct 15, 2007 |
| Book Page | 5523/766 |
| Name | NPB MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 2, 2026 |
| Property Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Document Number | 0000008906 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20268906 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $347,441.01 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Document Number | 0000008907, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 20268907 |
| Name | MORTGAGE 1 INCORPORATED |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 2, 2026 |
| Property Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Document Number | 20260008906 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20268906 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $347,441.01 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Document Number | 0000008907, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 20268907 |
| Name | MORTGAGE 1 INCORPORATED |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Dec 31, 2019 |
| Property Address | 14909 HICKORY ST, SPRING LAKE, MI 49456-1119 |
| Document Number | 20190049094 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 2019-0049094 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,986.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2387 BEACH TERRACE LN SW, 2387, ROCHESTER, MN 55902-4171 |
| Name | Verified Name |
|---|---|
| Address | 125 W FARR RD, NORTON SHORES, MI 49444-9747 |
| Document Number | 20190049095 |
|---|---|
| Date | Dec 31, 2019 |
| Instrument | 2019-0049095 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Ottawa County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| County Subdivision | Spring Lake Township |
| Unified School District | Spring Lake Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142,500 (-10.94%) | $285,000 (-10.94%) | |
| 2025 | $3,327.00 (+17.35%) Homeowner's exemption | $160,000 (+14.12%) | $320,000 (+14.12%) |
| 2023 | $140,200 | $280,400 | |
| 2022 | $2,835.00 |
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.
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 |
| Nearby Flood Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2020 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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