Ottawa County property record for 15847 Cotters Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1948 |
| Lot Size | 0.112 acres (4,879 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jun 2021) |
| Tax Bill | $1,422 (2025) |
| Deeds & Mortgages | Oct 2020 Line of Credit Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-11-382-005 |
| Primary APN | 70-03-11-382-005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 4,879 sqft (0.112 acres) |
| Lot Dimensions | 98 ft deep x 50 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 15847 COTTERS DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1591 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | LOT 8 HILLSIDE SUB OF LOTS 23-24-25- 26-27 OF PLAT OF LONGVIEW |
| Legal Range | 16W |
| Legal Township | 6N |
| Legal Section | 11 |
| Legal Subdivision | HILLSIDE SUB |
| Legal Block | 382 |
| Legal Lot Number | 8,23-24 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 20503 |
Source: Ottawa County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2020 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jun 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Jul 17, 2020 | Intrafamily Transfer, Transfer |
| Jan 10, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on Record |
| Deed Sale | Jun 7, 2021 · Amount on Record |
| Deed Document Number | 202129864 |
| Prior Transfer Date | Jul 15, 2020 |
| Prior Transfer Doc | 0000029111 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20200043031 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 2020-0043031 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 10, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 7, 2021 |
| Property Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Document Number | 20210029864 |
| Map Reference | LB 8 PG 9 |
| Instrument Date | May 25, 2021 |
| Instrument | 2021-0029864 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Name | Verified Name |
|---|---|
| Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Document Number | 20210029865 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021-0029865 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 17, 2020 |
| Property Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Document Number | 20200029111 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 2020-0029111 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 15847 CONNELLY AVE, SPRING LAKE, MI 49456-1514 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jan 10, 2020 |
| Property Address | 15847 COTTERS DR, SPRING LAKE, MI 49456-1591 |
| Document Number | 20200001337 |
| Instrument Date | Jan 6, 2020 |
| Instrument | 2020-0001337 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15847 CONNELLY AVE, SPRING LAKE, MI 49456-1514 |
Source: Ottawa County assessment roll, as of July 21, 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 | $67,600 (+46.64%) | $135,200 (+46.64%) | |
| 2025 | $1,422.00 (+17.33%) | ||
| 2023 | $46,100 | $92,200 | |
| 2022 | $1,212.00 |
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.
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 | 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.
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 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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