15798 River Side Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 15798 River Side Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,900 sqft · built 1995
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jun 2017)
Tax Bill	$3,522 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-377-012`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-377-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,900 sqft Living Area
1st Floor Area	952 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	10,062 sqft (0.231 acres)
Lot Dimensions	150 ft deep x 67.1 ft wide
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15798 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 21 & S 6605 FT OF UNNUMBERED LOT ADJ ON E, BLK 24 J POTTER HART'S SUB ALSO KNOWN AS LOT 29 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	21,29
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4026
Census Tract	21100

Owner

15798 River Side Dr is owned and occupied by an individual who acquired it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	15798 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
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION
Feb 12, 2024	Intrafamily Transfer, Transfer
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 INC
Jun 16, 2017	Warranty Deed, Transfer · Conventional Mortgage DBA MICHIGAN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Prior Sale	Jan 14, 2013
Deed Document Number	201721634
Last Transfer Date	Feb 9, 2024
Transfer Doc	20240003183
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Sep 2, 2026
Property Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	0000027296
Instrument Date	Aug 28, 2026
Instrument	202627296
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

Mortgage

Document Number	0000027296,
Date	Sep 2, 2026
Instrument	202627296

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 15, 2051

Interest

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

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Feb 12, 2024
Property Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20240003183
Map Reference	LB 1 PG 75
Instrument Date	Feb 9, 2024
Instrument	2024-0003183
Transaction Type	Transfer
Record Updated	Feb 28, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15798 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	20190048766
Date	Dec 27, 2019
Instrument	2019-0048766

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200018792
Date	May 15, 2020
Instrument	2020-0018792

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2040

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 16, 2017
Property Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244
Document Number	20170021634
Map Reference	LB1 PG75
Instrument Date	May 31, 2017
Instrument	2017-0021634
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,892.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15798 RIVER SIDE DR, 15798, SPRING LAKE, MI 49456-9244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15798 RIVER SIDE DR, SPRING LAKE, MI 49456-9244

Mortgage

Document Number	20170021635
Date	Jun 16, 2017
Instrument	2017-0021635

Lender

Name	DBA MICHIGAN MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 15798 River Side Dr was $3,522 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		$174,100 (+5.64%)	$348,200 (+5.64%)
2025	$3,522.00 Homeowner's exemption	$164,800	$329,600
2023		$142,000	$284,000
2022	$3,001.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15798 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 15798 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

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