16150 Norfolk Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16150 Norfolk Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,944 sqft · built 1973
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$740,000 (May 2019)
Tax Bill	$13,344 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-480-016`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-480-016`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,944 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16150 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 11 HARBOR POINT
Legal Range	13W
Legal Township	7N
Legal Section	10
Legal Subdivision	HARBOR POINT
Legal Block	480
Legal Lot Number	11
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	3
Census Block	3010
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	Individual Name on Record
Mailing Address	16150 NORFOLK DR, SPRING LAKE, MI 49456-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jul 26, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Prior Sale	Feb 3, 2003
Deed Document Number	201917666
Prior Transfer Date	Aug 8, 2005
Prior Transfer Doc	4949/147
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16150 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	20200058163
Date	Dec 22, 2020
Instrument	2020-0058163

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

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

Interest

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 31, 2019
Property Address	16150 NORFOLK DR, SPRING LAKE, MI 49456-1426
Document Number	20190017666
Map Reference	LB 14 PG 58
Instrument Date	May 30, 2019
Instrument	2019-0017666
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,364.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16150 NORFOLK DR, 16150, SPRING LAKE, MI 49456-1426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16150 NORFOLK DR, SPRING LAKE, MI 49456-1426

Mortgage

Document Number	20190017667
Date	May 31, 2019
Instrument	2019-0017667

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16150 NORFOLK DR, SPRING LAKE, MI 49456-1426
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180026356
Date	Jul 26, 2018
Instrument	2018-0026356

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$590,600 (+13.29%)	$1,181,200 (+13.29%)
2025	$13,344.00 (+4.26%) Homeowner's exemption	$521,300 (+24.62%)	$1,042,600 (+24.62%)
2023		$418,300	$836,600
2022	$12,799.00

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
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

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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