16122 Norfolk Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16122 Norfolk Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,994 sqft · built 2019
Lot Size	0.429 acres (18,687 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Mar 2019)
Tax Bill	$19,526 (2025)
Deeds & Mortgages	May 2019 Mortgage May 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-480-017`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-480-017`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,994 sqft Living Area
1st Floor Area	1,997 sqft
Basement Area	1,997 sqft
Unfinished Basement	1,997 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	18,687 sqft (0.429 acres)
Lot Dimensions	170 ft deep x 110 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16122 NORFOLK DR
City	SPRING LAKE
State	MI
Zip	49456-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 1
Legal Description	LOT 12 HARBOR POINT
Legal Range	13W
Legal Township	7N
Legal Section	10
Legal Subdivision	HARBOR POINT
Legal Block	480
Legal Lot Number	12
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	3
Census Block	3010
Census Tract	20600

Owner

16122 Norfolk Dr is owned and occupied by an individual who bought it in March 2019.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	16122 NORFOLK DR, SPRING LAKE, MI 49456-1426
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.

Deeds, Mortgages & Sale History

Date	Document
May 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
May 21, 2019	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Mar 1, 2019	Warranty Deed, Transfer · Second Mortgage (Down Payment) LAKE MICHIGAN CU
Oct 6, 2017	Quit Claim Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Deed Document Number	20196128
Prior Transfer Date	Nov 8, 2016
Prior Transfer Doc	20170037203
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16122 NORFOLK DR, SPRING LAKE, MI 49456-1426
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190016495
Date	May 21, 2019
Instrument	2019-0016495

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16122 NORFOLK DR, SPRING LAKE, MI 49456-1426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190016485
Date	May 21, 2019
Instrument	2019-0016485

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 1, 2019
Property Address	16122 NORFOLK DR, SPRING LAKE, MI 49456-1426
Document Number	20190006128
Map Reference	LB 14 PG 58
Instrument Date	Feb 5, 2019
Instrument	2019-0006128
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15826 PROSPECT POINT DR, 15826, SPRING LAKE, MI 49456-1581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CYNTHIA LANE NE, GRAND HAVEN, MI 49417

Mortgage

Document Number	20190006129
Date	Mar 1, 2019
Instrument	2019-0006129

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.36%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.36%
Index	LIBOR
Max Rate	9.36%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 6, 2017
Property Address	16122 NORFOLK DR, SPRING LAKE, MI 49456-1426
Document Number	20170037203
Map Reference	LB14 PG58
Instrument Date	Nov 8, 2016
Instrument	2017-0037203
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 LYON ST NW, 111, GRAND RAPIDS, MI 49503-2406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15826 PROSPECT POINT DR, SPRING LAKE, MI 49456-1581

Tax Assessment & Valuation

The 2025 property tax bill for 16122 Norfolk Dr was $19,526 with a homeowner's exemption.

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
Municipality	Ferrysburg City
Unified School District	Grand Haven Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$917,800	$1,835,600
2025	$19,526.00
2023		$680,300	$1,360,600
2022	$132.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16122 Norfolk 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	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

Wildfire risk around 16122 Norfolk 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 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
AT&T DSL	100 / 20

May also be available: Spectrum, T-Mobile.

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