15735 River Side Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15735 River Side Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,298 sqft · built 1996
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$392,500 (May 2025)
Tax Bill	$5,877 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-377-018`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-377-018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	1,221 sqft
Unfinished Basement	1,221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	9,278 sqft (0.213 acres)
Lot Width	132 ft Width
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15735 RIVER SIDE DR
City	SPRING LAKE
State	MI
Zip	49456-9244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 14 BLK 24 & S 1/2 OF VAC ALLEY ADJ ON N J POTTER HART'S SUB ALSO KNOWN AS LOT 22 OF UNREC RIVER RUN PLAT
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	J POTTER HARTS SUB
Legal Block	24
Legal Lot Number	14,22
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4026
Census Tract	21100

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	2 Individual Names on Record
Mailing Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jun 22, 2023	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Sep 17, 2020	Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK
Sep 17, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2025 · Amount on Record
Deed Sale	May 20, 2025 · Amount on Record
Prior Sale	May 3, 2024 · Amount on Record
Deed Document Number	202512904
Prior Transfer Date	Jul 28, 2020
Prior Transfer Doc	0000040313
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 3, 2024
Property Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20240010740
Map Reference	LB 1 PG 75
Instrument Date	Apr 26, 2024
Instrument	2024-0010740
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,887.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18591 AZTEC DR, SPRING LAKE, MI 49456-9428

Mortgage

Document Number	20240010741
Date	May 3, 2024
Instrument	2024-0010741

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20230015342
Date	Jun 22, 2023
Instrument	2023-0015342

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	WHITEHALL, MI 49461

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 17, 2020
Property Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20200040314
Map Reference	LB 1 PG 75
Instrument Date	Sep 14, 2020
Instrument	2020-0040314
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,002.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15735 RIVER SIDE DR, 15735, SPRING LAKE, MI 49456-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2057 W LAKE RD, TWIN LAKE, MI 49457-9038

Mortgage

Document Number	20200040315
Date	Sep 17, 2020
Instrument	2020-0040315

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Sep 17, 2020
Property Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20200040313
Map Reference	LB 1 POG 75
Instrument Date	Jul 28, 2020
Instrument	2020-0040313
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20312 SQUIRES RD, 20312, CONKLIN, MI 49403-9314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15735 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

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		$201,200 (+30.31%)	$402,400 (+30.31%)
2025	$5,877.00 (+64.85%)
2023		$154,400	$308,800
2022	$3,565.00

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

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	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

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

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