Ottawa County property record for 15994 Harbor Point Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,470 sqft · built 1978 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Apr 2015) |
| Tax Bill | $5,202 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-224-023 |
| Primary APN | 70-03-15-224-023 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,470 sqft Living Area |
| 1st Floor Area | 1,612 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 161 ft deep x 111 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15994 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 39 HARBOR POINT NO 1 |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | HARBOR POINT #1 |
| Legal Block | 224 |
| Legal Lot Number | 39 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20600 |
15994 Harbor Point Dr is owned and occupied by two individuals who bought it in April 2015.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15994 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2015 · Amount on File |
| Deed Sale | Apr 22, 2015 · Amount on File |
| Prior Sale | Aug 23, 2010 · Amount on File |
| Deed Document Number | 201514049 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 15994 HARBOR POINT DR, SPRING LAKE, MI 49456-1408 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180025608 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 2018-0025608 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 15994 Harbor Point Dr was $5,202 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 | $262,700 | $525,400 | |
| 2025 | $5,202.00 | ||
| 2023 | $221,000 | $442,000 | |
| 2022 | $5,170.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15994 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.
Wildfire risk around 15994 Harbor 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 | Direct burnable vegetation |
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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