15786 River Side Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15786 River Side Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,302 sqft · built 1998
Lot Size	0.327 acres (14,244 sqft)
Owner	Individual Name on File
Last Sale	$402,100 (May 2024)
Tax Bill	$6,441 (2025)
Deeds & Mortgages	May 2024 Sale Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-379-002`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-379-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,302 sqft Living Area
1st Floor Area	1,266 sqft
Basement Area	1,266 sqft
Unfinished Basement	1,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	14,244 sqft (0.327 acres)
Lot Width	132 ft Width
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15786 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 3 & PART OF LOT 17 BLK 25 COM NE COR OF LOT 3, TH S 0D 24M 35S E 23427 FT, TH NW'LY 7643 FT ALG A 3367 FT RAD CURVE TO RT
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	J POTTER HARTS SUB
Legal Block	25
Legal Lot Number	3,17,32
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4026
Census Tract	21100

Owner

15786 River Side Dr is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
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.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Dec 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Oct 24, 2017	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2024 · Amount on File
Deed Sale	May 1, 2024 · Amount on File
Prior Sale	Dec 23, 2013
Deed Document Number	202410512
Prior Transfer Date	Nov 25, 2020
Prior Transfer Doc	20200054459
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 1, 2024
Property Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20240010512
Map Reference	LB 1 PG 75
Instrument Date	Apr 30, 2024
Instrument	2024-0010512
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$3,018.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200022484
Date	Jun 9, 2020
Instrument	2020-0022484

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2045

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 2, 2020
Property Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20200054459
Instrument Date	Nov 25, 2020
Instrument	2020-0054459
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	16151 TERRACE RD, 16151, SPRING LAKE, MI 49456-2313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

Mortgage

Document Number	20200054460
Date	Dec 2, 2020
Instrument	2020-0054460

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15786 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-0039798
Date	Oct 24, 2017
Instrument	2017-0039798

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 15786 River Side Dr was $6,441 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		$220,600	$441,200
2025	$6,441.00
2023		$174,800	$349,600
2022	$3,275.00

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

FEMA maps place 15786 River Side 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	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

Wildfire risk around 15786 River Side Dr 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.

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

Nearby Properties on River Side Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures