15648 Willows Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15648 Willows Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1957
Lot Size	0.505 acres (21,998 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2026)
Tax Bill	$6,928 (2025)
Deeds & Mortgages	Mar 2005 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-02-376-014`

Property Details

APN / Parcel Number

Primary APN	`70-03-02-376-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	15648 WILLOWS DR
City	SPRING LAKE
State	MI
Zip	49456-1143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FEMA FLOOD
Legal Description	W 100 FT OF E 300 FT OF LOT 15 EXC N 14 FT WILLOWS PLAT
Legal Range	17W
Legal Township	8N
Legal Section	02
Legal Subdivision	S PLAT
Legal Block	376
Legal Lot Number	15
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1006
Census Tract	20503

Owner

15648 Willows Dr is owned and occupied by two individuals who bought it in May 2026.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	15648 WILLOWS DR, SPRING LAKE, MI 49456-1143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2005	Deed of Trust, Mortgage · Conventional Mortgage AMERICAS WHOLESALE LENDER
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK
May 18, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Apr 24, 2012 · Amount on File
Deed Document Number	202615686
Prior Transfer Date	Apr 12, 2018
Prior Transfer Doc	20180017454
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15648 WILLOWS DR, SPRING LAKE, MI 49456-1143
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004809/620
Date	Mar 17, 2005
Book Page	4809/620

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2035

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 28, 2026
Property Address	15648 WILLOWS DR, SPRING LAKE, MI 49456-1143
Document Number	20260015686
Instrument Date	May 27, 2026
Instrument	202615686
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260,580.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15648 WILLOWS DR, SPRING LAKE, MI 49456-1143

Mortgage

Document Number	0000015687,
Date	May 28, 2026
Instrument	202615687

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	May 18, 2018
Property Address	15648 WILLOWS DR, SPRING LAKE, MI 49456-1143
Document Number	20180017454
Instrument Date	Apr 12, 2018
Instrument	2018-0017454
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18309 N FRUITPORT RD, 18309, SPRING LAKE, MI 49456-1151

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	18309 N FRUITPORT RD, SPRING LAKE, MI 49456-1151

Tax Assessment & Valuation

The 2025 property tax bill for 15648 Willows Dr was $6,928.

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		$147,600 (+3.94%)	$295,200 (+3.94%)
2025	$6,928.00	$142,000	$284,000
2023		$120,400	$240,800
2022	$5,589.00

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 15648 Willows Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 15648 Willows Dr 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	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 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 Willows Dr

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