15764 Willows Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15764 Willows Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,920 sqft · built 1900
Lot Size	0.209 acres (9,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Jun 2013)
Tax Bill	$10,459 (2025)
Deeds & Mortgages	Oct 2026 Sale Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-02-376-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-02-376-003`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,920 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	9,104 sqft (0.209 acres)
Lot Dimensions	214 ft deep x 46 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15764 WILLOWS DR
City	SPRING LAKE
State	MI
Zip	49456-1145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FEMA FLOOD
Legal Description	PART OF LOTS 8 & 9 & PART OF VAC CIRCLE DR DESC AS COM AT PT CALLED 'A' LOCATED AS FOL, COM AT NE'LY COR OF LOT 13, TH N 01D 37M E 12 FT, N 84D 35M W 143 FT TO PT CALLED 'A', TH S 39D W 2208 FT TO BNDRY LI OF PLAT, TH NW'LY ON SD LI 46 FT TH N 41D 17
Legal Range	17W
Legal Township	8N
Legal Section	02
Legal Subdivision	S PLAT
Legal Block	376
Legal Lot Number	8-9,13
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 16, 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	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Jun 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2013 · Amount on Record
Deed Sale	Jun 14, 2013 · Amount on Record
Deed Document Number	201327718
Last Transfer Date	Oct 6, 2026
Transfer Doc	0000031150
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 6, 2026
Property Address	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145
Document Number	0000031150
Instrument Date	Oct 6, 2026
Instrument	202631150
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Jul 9, 2026
Property Address	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145
Document Number	0000020755
Instrument Date	Jul 2, 2026
Instrument	202620755
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	STONEMAN TITLE AGENCY, STONEGATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145

Mortgage

Document Number	0000020755,
Date	Jul 9, 2026
Instrument	202620755

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 22, 2026
Property Address	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145
Document Number	0000018448
Instrument Date	Jun 18, 2026
Instrument	202618448
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15764 WILLOWS DR, SPRING LAKE, MI 49456-1145

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		$344,500 (+0.61%)	$689,000 (+0.61%)
2025	$10,459.00 (+22.56%) Homeowner's exemption	$342,400 (+6.87%)	$684,800 (+6.87%)
2023		$320,400	$640,800
2022	$8,534.00

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 100 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 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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