Ottawa County property record for 16164 Harbor Point Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,294 sqft · built 1969 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,968 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-225-003 |
| Primary APN | 70-03-15-225-003 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,294 sqft Living Area |
| 1st Floor Area | 1,591 sqft |
| Basement Area | 775 sqft |
| Unfinished Basement | 775 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 120 ft deep x 110 ft wide |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16164 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 27 HARBOR POINT NO 1 |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | HARBOR POINT |
| Legal Block | 225 |
| Legal Lot Number | 27 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 3 |
| Census Block | 3012 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16164 HARBOR POINT DR, SPRING LAKE, MI 49456-1412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 13, 2022 |
| Transfer Doc | 0000014667 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16164 HARBOR POINT DR, SPRING LAKE, MI 49456-1412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210003979 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021-0003979 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
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 | $191,000 (+17.11%) | $382,000 (+17.11%) | |
| 2025 | $3,968.00 (+0.61%) | ||
| 2023 | $163,100 | $326,200 | |
| 2022 | $3,944.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
5G (outdoors only) and 4G LTE
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