15678 Willows Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15678 Willows Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,838 sqft · built 1987
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on Record
Last Sale	$388,765 (Jun 2017)
Tax Bill	$10,939 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-02-376-012`

Property Details

APN / Parcel Number

Primary APN	`70-03-02-376-012`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,838 sqft Living Area
1st Floor Area	1,838 sqft
Basement Area	1,708 sqft
Unfinished Basement	1,708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	270 ft deep x 100 ft wide
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15678 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 500 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

Source: Ottawa County records, as of October 12, 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	15678 WILLOWS DR, SPRING LAKE, MI 49456-1143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2019	Deed of Trust, Mortgage · Line of Credit LAKE TRUST CU
Jun 2, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2017 · Amount on Record
Deed Sale	Jun 2, 2017 · Amount on Record
Deed Document Number	201719664
Prior Transfer Date	Mar 23, 2012
Prior Transfer Doc	20120013151
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15678 WILLOWS DR, SPRING LAKE, MI 49456-1143
Transaction Type	Mortgage
Record Updated	Jul 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190021238
Date	Jun 26, 2019
Instrument	2019-0021238

Lender

Name	LAKE TRUST CU
Type	Credit Union
Address	BRIGHTON, MI 48114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 2, 2017
Property Address	15678 WILLOWS DR, SPRING LAKE, MI 49456-1143
Document Number	20170019664
Map Reference	LB7 PG25
Instrument Date	May 31, 2017
Instrument	2017-0019664
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,345.40
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15678 WILLOWS DR, 15678, SPRING LAKE, MI 49456-1143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15678 WILLOWS DR, SPRING LAKE, MI 49456-1143

Mortgage

Document Number	20170019665
Date	Jun 2, 2017
Instrument	2017-0019665

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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		$373,600 (+11.96%)	$747,200 (+11.96%)
2025	$10,939.00 (+17.59%) Homeowner's exemption	$333,700 (+3.06%)	$667,400 (+3.06%)
2023		$323,800	$647,600
2022	$9,303.00

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

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
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

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

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