15488 Howard St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15488 Howard St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,981 sqft · built 2015
Lot Size	0.316 acres (13,765 sqft)
Owner	2 Individual Names on File
Last Sale	$1,135,000 (Mar 2021)
Tax Bill	$15,508 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jan 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-11-418-010`

Property Details

APN / Parcel Number

Primary APN	`70-03-11-418-010`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,981 sqft Living Area
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Bungalow
Lot Area	13,765 sqft (0.316 acres)
Lot Dimensions	250 ft deep x 70 ft wide
Garage Area	771 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15488 HOWARD ST
City	SPRING LAKE
State	MI
Zip	49456-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FEMA FLOOD
Legal Description	PART OF GOVT LOT 4 COM N 12D 03M E 40 FT FROM INTERS N'LY & E'LY LI OF HOWARD AVE, TH N 12D 03M E 40 FT, TH S 50D 04M E 280 FT M/L TO WATERS OF SPRING LAKE TH SW'LY ALG SHORE TO PT S 40D 17M E OF BEG, TH N 40D 17M W 250 FT M/L TO BEG SEC 11 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	11
Legal Block	418
Legal Lot Number	4
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1006
Census Tract	20501

Owner

15488 Howard St is owned and occupied by two individuals who acquired it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Intrafamily Transfer, Transfer
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UPPER PENINSULA STATE BANK
Jan 26, 2017	Deed of Trust, Mortgage · Line of Credit UPPER PENINSULA STATE BANK
Jul 17, 2019	Deed of Trust, Mortgage · Line of Credit UPPER PENINSULA STATE BANK
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UPPER PENINSULA STATE BANK
Mar 5, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2021 · Amount on File
Deed Sale	Mar 5, 2021 · Amount on File
Prior Sale	May 3, 2016 · Amount on File
Deed Document Number	202112223
Last Transfer Date	Nov 21, 2025
Transfer Doc	20250036207
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 22, 2025
Property Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Document Number	20250036207
Instrument Date	Dec 21, 2025
Instrument	2025-0036207
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170003180
Date	Jan 26, 2017
Instrument	2017-0003180

Lender

Name	UPPER PENINSULA STATE BANK
Address	ESCANABA, MI 49829

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170003182
Date	Jan 26, 2017
Instrument	2017-0003182

Lender

Name	UPPER PENINSULA STATE BANK
Address	ESCANABA, MI 49829

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190023992
Date	Jul 17, 2019
Instrument	2019-0023992

Lender

Name	UPPER PENINSULA STATE BANK
Type	Bank
Address	ESCANABA, MI 49829

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 11, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170003181
Date	Jan 26, 2017
Instrument	2017-0003181

Lender

Name	UPPER PENINSULA STATE BANK
Address	ESCANABA, MI 49829

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	83 Months
Due	Dec 15, 2023

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 5, 2021
Property Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526
Document Number	20210012223
Instrument Date	Feb 19, 2021
Instrument	2021-0012223
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,512.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15488 HOWARD ST, SPRING LAKE, MI 49456-1526

Mortgage

Document Number	20210012224
Date	Mar 5, 2021
Instrument	2021-0012224

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 15488 Howard St was $15,508 with a homeowner's exemption, up 3.9% from the year before.

Source: Ottawa County assessment roll, as of October 12, 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		$580,000 (-0.57%)	$1,160,000 (-0.57%)
2025	$15,508.00 (+3.89%) Homeowner's exemption	$583,300	$1,166,600
2024	$14,927.00
2023		$545,900	$1,091,800
2022	$12,772.00

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

FEMA maps place 15488 Howard St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (2020)
Claims Outside the SFHA	3 of 3
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.

Wildfire

Wildfire risk around 15488 Howard St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 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 147 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

Cell Coverage

5G (outdoors only) and 4G LTE

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