15541 Kelly St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15541 Kelly St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,440 sqft · built 1980
Lot Size	0.699 acres (30,448 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 2012)
Tax Bill	$3,284 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-11-201-029`

Property Details

APN / Parcel Number

Primary APN	`70-03-11-201-029`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	30,448 sqft (0.699 acres)
Lot Dimensions	225 ft deep x 135 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	15541 KELLY ST
City	SPRING LAKE
State	MI
Zip	49456-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	E 135 FT OF W 4356 FT OF S 2255 FT OF NW 1/4 OF NE 1/4 SEC 11 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	11
Legal Block	201
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1011
Census Tract	20503

Owner

15541 Kelly St is owned and occupied by an individual who bought it in June 2012.

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

Owner of Record	Individual Name on File
Mailing Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 4, 2025	Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LENDING INC
May 10, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 12, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 25, 2017	Deed of Trust, Mortgage · VA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2012 · Amount on File
Deed Sale	Jun 18, 2012 · Amount on File
Deed Document Number	201225170
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15541 KELLY ST, MINDEN CITY, MI 48456

Mortgage

Document Number	20250031088
Date	Nov 4, 2025
Instrument	2025-0031088

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545

Mortgage

Document Number	20220017723
Date	May 10, 2022
Instrument	2022-0017723

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545

Mortgage

Document Number	20210050893
Date	Oct 12, 2021
Instrument	2021-0050893

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15541 KELLY ST, SPRING LAKE, MI 49456-1545
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170018614
Date	May 25, 2017
Instrument	2017-0018614

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 15541 Kelly St was $3,284 with a homeowner's exemption.

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		$153,600	$307,200
2025	$3,284.00
2023		$134,500	$269,000
2022	$2,799.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15541 Kelly St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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.

Wildfire

Wildfire risk around 15541 Kelly St is low, with 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 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 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Kelly St

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