15686 River Side Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15686 River Side Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,342 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$359,900 (Mar 2023)
Tax Bill	$4,593 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-379-012`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-379-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,342 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15686 RIVER SIDE DR
City	SPRING LAKE
State	MI
Zip	49456-9243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 2 BLK 26 J POTTER HART'S SUB ALSO KNOWN AS LOT 42 OF UNREC RIVER RUN PLAT
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	J POTTER HARTS SUB
Legal Block	26
Legal Lot Number	2,42
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4026
Census Tract	21100

Owner

15686 River Side Dr is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
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
Mar 2, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Oct 10, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Apr 2, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 11, 2019	Intrafamily Transfer, Transfer
Feb 7, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2023 · Amount on File
Deed Sale	Mar 2, 2023 · Amount on File
Prior Sale	Jul 25, 2013
Deed Document Number	20234886
Prior Transfer Date	Oct 4, 2019
Prior Transfer Doc	20190036813
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 2, 2023
Property Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
Document Number	20230004886
Map Reference	LB 1 PG 75
Instrument Date	Mar 1, 2023
Instrument	2023-0004886
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243

Mortgage

Document Number	20230004887
Date	Mar 2, 2023
Instrument	2023-0004887

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243

Mortgage

Document Number	20230000848
Date	Jan 11, 2023
Instrument	2023-0000848

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Oct 10, 2019
Property Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
Document Number	20190036813
Map Reference	LB 1 PG 75
Instrument Date	Oct 4, 2019
Instrument	2019-0036813
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243

Mortgage

Document Number	20190036814
Date	Oct 10, 2019
Instrument	2019-0036814

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190009751
Date	Apr 2, 2019
Instrument	2019-0009751

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	Mar 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Feb 11, 2019
Property Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
Document Number	20190004311
Map Reference	LB 1 PG 75
Instrument Date	Nov 26, 2018
Instrument	2019-0004311
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Feb 7, 2017
Property Address	15686 RIVER SIDE DR, SPRING LAKE, MI 49456-9243
Document Number	20170004771
Instrument Date	Jan 13, 2017
Instrument	2017-0004771
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15696 RIVER SIDE DR, SPRING LAKE, MI 49456-9243

Tax Assessment & Valuation

The 2025 property tax bill for 15686 River Side Dr was $4,593 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		$185,100 (+5.17%)	$370,200 (+5.17%)
2025	$4,593.00 Homeowner's exemption	$176,000	$352,000
2023		$149,100	$298,200
2022	$2,949.00

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 15686 River Side Dr 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	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

Wildfire risk around 15686 River Side 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Side Dr

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