16140 Harbor Point Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16140 Harbor Point Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,348 sqft · built 1968
Lot Size	0.313 acres (13,634 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Feb 2019)
Tax Bill	$5,094 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-225-007`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-225-007`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,348 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	13,634 sqft (0.313 acres)
Lot Dimensions	135 ft deep x 101 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16140 HARBOR POINT DR
City	SPRING LAKE
State	MI
Zip	49456-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 1
Legal Description	LOT 29 HARBOR POINT NO 1
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	HARBOR POINT
Legal Block	225
Legal Lot Number	29
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	3
Census Block	3012
Census Tract	20600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16140 HARBOR POINT DR, SPRING LAKE, MI 49456-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Feb 22, 2019	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Prior Sale	Aug 14, 2014
Deed Document Number	20195476
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16140 HARBOR POINT DR, SPRING LAKE, MI 49456-1412
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210010387
Date	Feb 24, 2021
Instrument	2021-0010387

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16140 HARBOR POINT DR, SPRING LAKE, MI 49456-1412
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200007097
Date	Feb 26, 2020
Instrument	2020-0007097

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Feb 22, 2019
Property Address	16140 HARBOR POINT DR, SPRING LAKE, MI 49456-1412
Document Number	20190005476
Map Reference	LB 16 PG 37
Instrument Date	Feb 20, 2019
Instrument	2019-0005476
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16140 HARBOR POINT DR, 16140, SPRING LAKE, MI 49456-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 WILLIAMS ST, SPRING LAKE, MI 49456-1913
Investor	Possibly a Property Investor

Mortgage

Document Number	20190005477
Date	Feb 22, 2019
Instrument	2019-0005477

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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		$212,600 (+16.37%)	$425,200 (+16.37%)
2025	$5,094.00 (+0.61%)
2023		$182,700	$365,400
2022	$5,063.00

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

Flood

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
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

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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