Ottawa County property record for 15974 Harbor Point Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,393 sqft · built 1977 |
| Lot Size | 0.434 acres (18,905 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $12,638 (2025) |
| Deeds & Mortgages | Aug 2021 Transfer Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-224-026 |
| Primary APN | 70-03-15-224-026 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,393 sqft Living Area |
| 1st Floor Area | 2,319 sqft |
| Basement Area | 2,319 sqft |
| Unfinished Basement | 2,319 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 18,905 sqft (0.434 acres) |
| Lot Dimensions | 180 ft deep x 105 ft wide |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15974 HARBOR POINT DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG 1 |
| Legal Description | LOT 41 HARBOR POINT NO 1 |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | HARBOR POINT |
| Legal Block | 224 |
| Legal Lot Number | 41 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20600 |
15974 Harbor Point Dr is owned and occupied by an individual who acquired it in July 2021.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15974 HARBOR POINT DR, SPRING LAKE, MI 49456-1408 |
| 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 |
|---|---|
| Aug 26, 2021 | Intrafamily Transfer, Transfer TITLE AGENCY OF MICHIGAN, SUN TITLE AGENCY OF MICHIGAN |
| Aug 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Aug 26, 2021 | Intrafamily Transfer, Transfer TITLE AGENCY OF MICHIGAN, SUN TITLE AGENCY OF MICHIGAN |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 9, 2021 |
| Transfer Doc | 20210043483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 26, 2021 |
| Property Address | 15974 HARBOR POINT DR, SPRING LAKE, MI 49456-1408 |
| Document Number | 20210043483 |
| Map Reference | MB 16 PG 37 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2021-0043483 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | TITLE AGENCY OF MICHIGAN, SUN TITLE AGENCY OF MICHIGAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11371 EVERT CT, WEST OLIVE, MI 49460-9581 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 26, 2021 |
| Property Address | 15974 HARBOR POINT DR, SPRING LAKE, MI 49456-1408 |
| Document Number | 20210043482 |
| Map Reference | LB 16 G 37 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2021-0043482 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | TITLE AGENCY OF MICHIGAN, SUN TITLE AGENCY OF MICHIGAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15974 HARBOR POINT DR, 15974, SPRING LAKE, MI 49456-1408 |
| Name | Verified Name |
|---|---|
| Address | 11371 EVERT CT, WEST OLIVE, MI 49460-9581 |
| Document Number | 20210043484 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 2021-0043484 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 26, 2021 |
| Property Address | 15974 HARBOR POINT DR, SPRING LAKE, MI 49456-1408 |
| Document Number | 20210043481 |
| Map Reference | LB 16 PG 37 |
| Instrument Date | Jul 8, 2021 |
| Instrument | 2021-0043481 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | TITLE AGENCY OF MICHIGAN, SUN TITLE AGENCY OF MICHIGAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15974 HARBOR POINT DR, 15974, SPRING LAKE, MI 49456-1408 |
| Name | Verified Name |
|---|---|
| Address | 15974 HARBOR POINT DR, SPRING LAKE, MI 49456-1408 |
The 2025 property tax bill for 15974 Harbor Point Dr was $12,638 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| Municipality | Ferrysburg City |
| Unified School District | Grand Haven Area Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $704,000 (+16.33%) | $1,408,000 (+16.33%) | |
| 2025 | $12,638.00 Homeowner's exemption | $605,200 | $1,210,400 |
| 2023 | $478,600 | $957,200 | |
| 2022 | $12,097.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15974 Harbor Point 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 | 4 (1986–2026) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Mar 2026 · 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.
The area around 15974 Harbor Point Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | FERRYSBURG serves 3,268 people · EPA ID MI0002285 |
|---|---|
| Water Source | Purchased surface water from NORTHWEST OTTAWA CO WATER SYST |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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