Ottawa County property record for 15844 Cotters Dr, Spring Lake, MI 49456 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1993 |
| Square Footage | 1,344 sqft Living Area |
| Lot Size | 14,767 sqft (0.339 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $420,000 (2026) |
| Tax Bill | $5,282.00 (2025) |
| Primary APN | 70-03-11-381-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,344 sqft Living Area |
| 1st Floor | 672 sqft 1st Floor |
| Basement Area | 672 sqft Basement |
| Unfinished Basement | 672 sqft Unfinished |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Lot Area | 14,767 sqft (0.339 acres) |
| Depth X Width | 196 ft x 75 ft Depth x Width |
| Parking Spaces | 5 Parking Spaces |
| Garage Area | 1,232 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 15844 COTTERS DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1582 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOTS 18 & 25, ALSO W 1/2 OF LOTS 19 & 24 HILLSIDE SUB |
| Legal Range | 16W |
| Legal Township | 6N |
| Legal Section | 11 |
| Legal Subdivision | HILLSIDE SUB |
| Legal Block | 381 |
| Jurisdiction | OTTAWA MI |
| Minor Civil Division | SPRING LAKE |
| Census Blockgroup | 1 |
| Census Block | 1006 |
| Census Tract | 20503 |
Source: Ottawa County records · APN 70-03-11-381-014
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 926 MILLARD AVE, ROYAL OAK, MI 48073-2767 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 28, 2013 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Jan 17, 2007 | Deed of Trust, Mortgage NATIONAL CITY BANK |
| Jun 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 29, 2024 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 05, 2026 · Amount on Record |
| Deed Sale | Jun 05, 2026 · Amount on Record |
| Prior Sale | Apr 29, 2024 · Amount on Record |
| Deed Doc Number | 202616835 |
| Prior Transfer Date | Nov 30, 2006 |
| Prior Transfer Doc | 005344/798 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15844 COTTERS DR, SPRING LAKE, MI 49456-1582 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20130048052 |
|---|---|
| Date | Oct 28, 2013 |
| Instrument | 2013-0048052 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15844 COTTERS DR, SPRING LAKE, MI 49456-1582 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 005347/337 |
|---|---|
| Date | Jan 17, 2007 |
| Book Page | 5347/337 |
| Name | NATIONAL CITY BANK |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Nov 30, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 05, 2026 |
| Property Address | 15844 COTTERS DR, SPRING LAKE, MI 49456-1582 |
| Document Number | 0000016835 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 202616835 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $364,812.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 926 MILLARD AVE, ROYAL OAK, MI 48073-2767 |
| Document Number | 0000016836, |
|---|---|
| Date | Jun 05, 2026 |
| Instrument | 202616836 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 29, 2024 |
| Property Address | 15844 COTTERS DR, SPRING LAKE, MI 49456-1582 |
| Document Number | 20240010161 |
| Map Reference | LB 8 PG 9 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 2024-0010161 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2024 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 15844 COLTERS DRIVE, SPRING LAKE, MI 49456 |
| Document Number | 20240010162 |
|---|---|
| Date | Apr 29, 2024 |
| Instrument | 2024-0010162 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| County Subdivision | Spring Lake Township |
| Unified School District | Spring Lake Public Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $177,200 (+3.93%) | $354,400 (+3.93%) | |
| 2025 | $5,282.00 (+107.3%) Homeowner's exemption | $170,500 (+32.38%) | $341,000 (+32.38%) |
| 2023 | $128,800 | $257,600 | |
| 2022 | $2,548.00 |
Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), updated October 20, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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