Ottawa County property record for 15896 Prospect Point Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,352 sqft · built 2016 |
| Lot Size | 0.703 acres (30,623 sqft) |
| Owner | Individual Name on File |
| Last Sale | $650,000 (Sep 2015) |
| Tax Bill | $25,671 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Jul 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-14-126-014 |
| Primary APN | 70-03-14-126-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,352 sqft Living Area |
| 1st Floor Area | 2,352 sqft |
| Basement Area | 2,352 sqft |
| Unfinished Basement | 2,352 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Bungalow |
| Lot Area | 30,623 sqft (0.703 acres) |
| Lot Dimensions | 245 ft deep x 125 ft wide |
| Garage Area | 1,188 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15896 PROSPECT POINT DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | PART OF NW FRL 1/4 COM S 89D 46M E 347 FT ALG N SEC LI & S LI OF PLAT OF LONGVIEW FROM SW COR OF LOT 21, PLAT OF LONGVIEW TH S 89D 46M E 718 FT, S 12D 37M 54S W 11676 FT, S 25D 03M 55S W 1387 FT, TH S 14D 01M 13S E 2671 FT, S 24D 30M W TO SHORE OF SP |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 14 |
| Legal Subdivision | LONGVIEW |
| Legal Block | 126 |
| Legal Lot Number | 21 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20503 |
15896 Prospect Point Dr is owned and occupied by an individual who acquired it in November 2022.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15896 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581 |
| 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.
| Date | Document |
|---|---|
| Dec 13, 2017 | Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA |
| Jul 31, 2020 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Jun 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Nov 16, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2015 · Amount on File |
| Deed Sale | Sep 1, 2015 · Amount on File |
| Deed Document Number | 201533617 |
| Last Transfer Date | Nov 15, 2022 |
| Transfer Doc | 20220039532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15896 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20170046887 |
|---|---|
| Date | Dec 13, 2017 |
| Instrument | 2017-0046887 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15896 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20200031553 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 2020-0031553 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 15, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15896 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 20200023002 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 2020-0023002 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Nov 16, 2022 |
| Property Address | 15896 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581 |
| Document Number | 20220039532 |
| Map Reference | LB 7 PG 24 |
| Instrument Date | Nov 15, 2022 |
| Instrument | 2022-0039532 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15896 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581 |
The 2025 property tax bill for 15896 Prospect Point Dr was $25,671 with a homeowner's exemption.
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 | $1,047,500 (+7%) | $2,095,000 (+7%) | |
| 2025 | $25,671.00 Homeowner's exemption | $979,000 | $1,958,000 |
| 2023 | $821,300 | $1,642,600 | |
| 2022 | $21,499.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15896 Prospect Point Dr in Zone X, an area of minimal flood risk, within 100 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 100 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.
Wildfire risk around 15896 Prospect Point 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.
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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