15249 Central Ave, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15249 Central Ave, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,568 sqft · built 2012
Lot Size	0.407 acres (17,729 sqft)
Owner	Individual Name on Record
Last Sale	$541,000 (Jun 2023)
Tax Bill	$7,619 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-26-243-021`

Property Details

APN / Parcel Number

Primary APN	`70-03-26-243-021`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	17,729 sqft (0.407 acres)
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15249 CENTRAL AVE
City	SPRING LAKE
State	MI
Zip	49456-9551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF LOTS 28, 29 & VAC 5TH ST OAK GROVE PLAT & LOT 29 PLAT OF OAK PARK BEG AT SE COR LOT 29 PLAT OF OAK PARK, TH S 89D 50M
Legal Subdivision	OAK GROVE PLAT
Legal Lot Number	28-29
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4022
Census Tract	21100

Owner

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	Individual Name on Record
Mailing Address	15249 CENTRAL AVE, SPRING LAKE, MI 49456-9551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Feb 10, 2017	Deed of Trust, Mortgage 1ST ASSURED BAIL BONDS AGENCY
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Mar 5, 2019	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2023 · Amount on Record
Deed Sale	Jun 6, 2023 · Amount on Record
Prior Sale	Mar 5, 2019 · Amount on Record
Deed Document Number	202313773
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 6, 2023
Property Address	15249 CENTRAL AVE, SPRING LAKE, MI 49456-9551
Document Number	20230013773
Map Reference	LB 7 PG 49
Instrument Date	Jun 2, 2023
Instrument	2023-0013773
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,057.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15249 CENTRAL AVE, SPRING LAKE, MI 49456-9551

Mortgage

Document Number	20230013774
Date	Jun 6, 2023
Instrument	2023-0013774

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15249 CENTRAL AVE, SPRING LAKE, MI 49456-9551
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170005109
Date	Feb 10, 2017
Instrument	2017-0005109

Lender

Name	1ST ASSURED BAIL BONDS AGENCY
Type	Non-Lending Institution
Address	MUSKEGON, MI 49440

Agreement

Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15249 CENTRAL AVE, SPRING LAKE, MI 49456-9551
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20210019922
Date	Apr 13, 2021
Instrument	2021-0019922

Lender

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

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 5, 2019
Property Address	15249 CENTRAL AVE, SPRING LAKE, MI 49456-9551
Document Number	20190006485
Map Reference	LB 7 PG 49
Instrument Date	Mar 1, 2019
Instrument	2019-0006485
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,098.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4027 LAKE DR SE, 4027, GRAND RAPIDS, MI 49546-8812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15249 CENTRAL AVE, GRAND HAVEN, MI 49417

Mortgage

Document Number	20190006486
Date	Mar 5, 2019
Instrument	2019-0006486

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$266,200 (+20.51%)	$532,400 (+20.51%)
2025	$7,619.00 (+53.08%)
2023		$220,900	$441,800
2022	$4,977.00

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 Policies	3 in force
Nearby Flood Claims	5 (1986–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Sep 1986 · 2 claims

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.

Drinking Water

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

Water System	SPRING LAKE serves 2,512 people · EPA ID MI0006230
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Feb 2025
Also Mapped Here	SPRING LAKE TOWNSHIP
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 213 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

May also be available: AT&T.

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