Ottawa County property record for 15765 Pine St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1915 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,500 (Dec 2021) |
| Tax Bill | $3,746 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-14-166-017 |
| Primary APN | 70-03-14-166-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 90 ft deep x 100 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15765 PINE ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | S 1/2 OF LOTS 5 & 6 2ND SUB AT SPRING LAKE BEACH |
| Legal Range | 13W |
| Legal Township | 6N |
| Legal Section | 14 |
| Legal Subdivision | SPRING LAKE BEACH |
| Legal Block | 166 |
| Legal Lot Number | 2,5-6 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21100 |
15765 Pine St is owned and occupied by an individual who bought it in December 2021.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| 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.
| Date | Document |
|---|---|
| Dec 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Aug 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Aug 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2021 · Amount on File |
| Deed Sale | Dec 28, 2021 · Amount on File |
| Prior Sale | Aug 3, 2018 · Amount on File |
| Deed Document Number | 202163092 |
| Prior Transfer Date | May 26, 2016 |
| Prior Transfer Doc | 20160019435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Dec 28, 2021 |
| Property Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| Document Number | 20210063092 |
| Map Reference | LB 1 PG 125 |
| Instrument Date | Dec 23, 2021 |
| Instrument | 2021-0063092 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2022 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,593.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15765 PINE ST, 15765, SPRING LAKE, MI 49456-1881 |
| Name | Verified Name |
|---|---|
| Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| Document Number | 20210063094 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 2021-0063094 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 3, 2018 |
| Property Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| Document Number | 20180027376 |
| Map Reference | LB1 PG125 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 2018-0027376 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,427.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15765 PINE ST, 15765, SPRING LAKE, MI 49456-1881 |
| Name | Verified Name |
|---|---|
| Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| Document Number | 20180027377 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 2018-0027377 |
| Type | Lending Institution |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 3, 2018 |
| Property Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| Document Number | 20180027376 |
| Map Reference | LB 1 PG 125 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 2018-0027376 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,427.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15765 PINE ST, 15765, SPRING LAKE, MI 49456-1881 |
| Name | Verified Name |
|---|---|
| Address | 15765 PINE ST, SPRING LAKE, MI 49456-1881 |
| Document Number | 20180027377 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 2018-0027377 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 15765 Pine St was $3,746 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| County Subdivision | Spring Lake Township |
| Unified School District | Spring Lake Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $137,400 | $274,800 | |
| 2025 | $3,746.00 | ||
| 2023 | $106,600 | $213,200 | |
| 2022 | $2,851.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15765 Pine St 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 | 4 (2016–2020) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2020 |
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 risk around 15765 Pine St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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