Ottawa County property record for 15872 Beach Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,863 sqft · built 1998 |
| Lot Size | 0.259 acres (11,282 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (May 2024) |
| Tax Bill | $8,381 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-14-303-017 |
| Primary APN | 70-03-14-303-017 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,863 sqft Living Area |
| 1st Floor Area | 1,689 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 11,282 sqft (0.259 acres) |
| Lot Width | 276 ft Width |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15872 BEACH DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | PART OF VAC FERN WALK & PART OF VAC LAKE COHASSET PLAT OF SPRING LAKE BEACH & PART OF LOT 75 2ND SUB AT SPRING LAKE BEACH COM NE COR SD LOT 75, TH S 39D 32M 25S W 18362 FT, S 77D 36M 12S W 1717 FT ALG CEN LI OF VAC FERN WALK, TH N 01D 49M 50S W 14536 |
| Legal Range | 13W |
| Legal Township | 6N |
| Legal Section | 14 |
| Legal Subdivision | SPRING LAKE BEACH COM |
| Legal Block | 303 |
| Legal Lot Number | 2,75 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 21100 |
Source: Ottawa County records, as of October 12, 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 | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 5, 2021 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| May 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Oct 18, 2017 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on Record |
| Deed Sale | May 16, 2024 · Amount on Record |
| Prior Sale | Oct 18, 2005 · Amount on Record |
| Deed Document Number | 202412055 |
| Prior Transfer Date | Apr 1, 2015 |
| Prior Transfer Doc | 20150013047 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 24, 2026 |
| Property Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Document Number | 0000011746 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202611746 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Document Number | 0000011746, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 202611746 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Aug 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Document Number | 20210050028 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021-0050028 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20200046277 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 2020-0046277 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20170015758 |
|---|---|
| Date | May 3, 2017 |
| Instrument | 2017-0015758 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15872 BEACH DR, SPRING LAKE, MI 49456-1804 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017-0038855 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 2017-0038855 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $230,000 (-14.97%) | $460,000 (-14.97%) | |
| 2025 | $8,381.00 (+91.48%) Homeowner's exemption | $270,500 (+11.36%) | $541,000 (+11.36%) |
| 2023 | $242,900 | $485,800 | |
| 2022 | $4,377.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 2 (2014–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2018 · 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 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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