15745 River Side Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15745 River Side Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,364 sqft · built 1996
Lot Size	0.213 acres (9,278 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Feb 2021)
Tax Bill	$5,274 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-377-017`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-377-017`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,364 sqft Living Area
1st Floor Area	922 sqft
Basement Area	922 sqft
Unfinished Basement	922 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	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15745 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 15 BLK 24 & S 1/2 OF VAC ALLEY ADJ ON N J POTTER HART'S SUB ALSO KNOWN AS LOT 23 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	15,23
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	15745 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2019	Deed of Trust, Mortgage · VA Mortgage ENVOY MORTGAGE LTD
Feb 18, 2021	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC
Jul 13, 2018	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Prior Sale	Jul 13, 2018
Deed Document Number	20219225
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15745 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190031801
Date	Sep 10, 2019
Instrument	2019-0031801

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Feb 18, 2021
Property Address	15745 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20210009225
Map Reference	LB 1 PG 75
Instrument Date	Feb 12, 2021
Instrument	2021-0009225
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	IRONGATE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,092.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15745 RIVER SIDE DR, 15745, SPRING LAKE, MI 49456-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 ARLINGTON AVE, GRAND HAVEN, MI 49417-2511

Mortgage

Document Number	20210009226
Date	Feb 18, 2021
Instrument	2021-0009226

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jul 13, 2018
Property Address	15745 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20180024624
Map Reference	LB1 PG75
Instrument Date	Jul 13, 2018
Instrument	2018-0024624
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15745 RIVER SIDE DR, 15745, SPRING LAKE, MI 49456-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15745 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

Mortgage

Document Number	20180024625
Date	Jul 13, 2018
Instrument	2018-0024625

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$212,400 (+23.99%)	$424,800 (+23.99%)
2025	$5,274.00 (+15.43%)
2023		$171,300	$342,600
2022	$4,569.00

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	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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