Ottawa County property record for 16093 Harbor Point Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,088 sqft · built 1966 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,120,000 (Jul 2025) |
| Tax Bill | $10,940 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-228-012 |
| Primary APN | 70-03-15-228-012 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,088 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 648 sqft |
| Unfinished Basement | 648 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Tri-Level |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16093 HARBOR POINT DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG 1 |
| Legal Description | LOT 59 HARBOR POINT NO 2 |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | HARBOR POINT #2 |
| Legal Block | 228 |
| Legal Lot Number | 59 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20600 |
Source: Ottawa County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC |
| Oct 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 12, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Aug 4, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC |
| Feb 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2025 · Amount on Record |
| Deed Sale | Jul 17, 2025 · Amount on Record |
| Prior Sale | Feb 23, 2017 · Amount on Record |
| Deed Document Number | 202518859 |
| Prior Transfer Date | Jan 21, 2010 |
| Prior Transfer Doc | 0000004709 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jan 4, 2021 |
| Property Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Document Number | 20210000140 |
| Map Reference | LB 17 PG 3 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 2021-0000140 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2925 WILLIS RD, 2925, SPRING LAKE, MI 49456-9625 |
| Name | Verified Name |
|---|---|
| Address | 1112 RIVER OAKS DR, DEWITT, MI 48820-8328 |
| Document Number | 20210000141 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 2021-0000141 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 20190036551 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 2019-0036551 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180004824 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 2018-0004824 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017-0028689 |
|---|---|
| Date | Aug 4, 2017 |
| Instrument | 2017-0028689 |
| Name | FIFTH THIRD MORTGAGE MICHIGAN LLC |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 23, 2017 |
| Property Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Document Number | 20170006842 |
| Map Reference | LB17 PG3 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 2017-0006842 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18887 N FRUITPORT RD, 18887, SPRING LAKE, MI 49456-1177 |
| Name | Verified Name |
|---|---|
| Address | 16093 HARBOR POINT DR, SPRING LAKE, MI 49456-1409 |
| Document Number | 20170006843 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 2017-0006843 |
| Name | FIFTH THIRD MORTGAGE MICHIGAN LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Number | 20170006844 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 2017-0006844 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $497,000 (+18.19%) | $994,000 (+18.19%) | |
| 2025 | $10,940.00 (+6.88%) Homeowner's exemption | $420,500 (+26.28%) | $841,000 (+26.28%) |
| 2023 | $333,000 | $666,000 | |
| 2022 | $10,236.00 |
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 100 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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