15721 Willows Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15721 Willows Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1940
Lot Size	0.348 acres (15,159 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Aug 2025)
Tax Bill	$1,684 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-02-327-035`

Property Details

APN / Parcel Number

Primary APN	`70-03-02-327-035`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	15,159 sqft (0.348 acres)
Lot Dimensions	118 ft deep x 87 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15721 WILLOWS DR
City	SPRING LAKE
State	MI
Zip	49456-1144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF LOT 15 & VAC OAK AVE COM 946 FT S & S 84D 35M E 197 FT FROM NE COR OF LOT 14, TH N 84D 35M W 87 FT, N 05D 21M E 1181 FT TO N LI OF VAC OAK AVE TH S 89D 42M 18S E ALG SD LI TO A PT N 39D 07M E FROM BEG, TH S 39D 07M W 160 FT TO BEG WILLOWS PLA
Legal Range	17W
Legal Township	8N
Legal Section	02
Legal Subdivision	S PLAT
Legal Block	327
Legal Lot Number	14-15
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1006
Census Tract	20503

Owner

15721 Willows Dr is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	5718 FAIRVIEW CT, FRUITPORT, MI 49415-8874
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Apr 9, 2018	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	May 16, 2019 · Amount on File
Deed Document Number	202521549
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20240007577
Date	Apr 3, 2024
Instrument	2024-0007577

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Mar 22, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144
Transaction Type	Mortgage
Record Updated	Mar 25, 2022
Title Company	LIGHTHOUSE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144

Mortgage

Document Number	20220009785
Date	Mar 11, 2022
Instrument	2022-0009785

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 16, 2019
Property Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144
Document Number	20190015896
Map Reference	LB 7 PG 25
Instrument Date	May 13, 2019
Instrument	2019-0015896
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,315.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15721 WILLOWS DR, 15721, SPRING LAKE, MI 49456-1144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144

Mortgage

Document Number	20190015897
Date	May 16, 2019
Instrument	2019-0015897

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Mortgage

Document Number	20190015898
Date	May 16, 2019
Instrument	2019-0015898

Lender

Name	MICHIGAN STATE HSNG DEVELOPMENT AUTHORIT
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 9, 2018
Property Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144
Document Number	20180011652
Map Reference	LB7 PG25
Instrument Date	Apr 9, 2018
Instrument	2018-0011652
Transaction Type	Transfer
Record Updated	Aug 19, 2021
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	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15721 WILLOWS DR, 15721, SPRING LAKE, MI 49456-1144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15721 WILLOWS DR, SPRING LAKE, MI 49456-1144

Mortgage

Document Number	20180011653
Date	Apr 9, 2018
Instrument	2018-0011653

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15721 Willows Dr was $1,684 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		$75,100	$150,200
2025	$1,684.00
2023		$61,900	$123,800
2022	$1,427.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 15721 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 15721 Willows Dr 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 98% of the US · lower than 95% 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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