Ottawa County property record for 16181 Harbor Point Dr, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,690 sqft · built 1994 |
| Lot Size | 0.331 acres (14,418 sqft) |
| Owner | Individual Name on File |
| Last Sale | $254,900 (Nov 2016) |
| Tax Bill | $5,839 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-227-001 |
| Primary APN | 70-03-15-227-001 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,690 sqft Living Area |
| 1st Floor Area | 730 sqft |
| Basement Area | 730 sqft |
| Unfinished Basement | 730 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Lot Area | 14,418 sqft (0.331 acres) |
| Lot Dimensions | 80 ft deep x 180 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 16181 HARBOR POINT DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG 1 |
| Legal Description | W'LY 180 FT OF THAT PART GOV LOTS 1 & 2 LYING N OF A LI 100 FT S OF & PAR TO N LI OF FOLLOWING DESC, COM ON SHORE OF SPRING LAKE AT A PT S 2D 34M E 523 FT & N 89D 20M E 860 FT FROM NW COR GOV LOT 1, TH S 89D 20M W 690 FT, TH N 84D 10M W 288 FT, TH N |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 15 |
| Legal Subdivision | COMON SHORE |
| Legal Block | 227 |
| Legal Lot Number | 1-2 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20600 |
16181 Harbor Point Dr is owned and occupied by an individual who bought it in November 2016.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16181 HARBOR POINT DR, SPRING LAKE, MI 49456-1425 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2016 · Amount on File |
| Deed Sale | Nov 30, 2016 · Amount on File |
| Prior Sale | Jan 27, 2011 · Amount on File |
| Deed Document Number | 201645864 |
| Prior Transfer Date | Sep 28, 2012 |
| Prior Transfer Doc | 20120044849 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16181 HARBOR POINT DR, SPRING LAKE, MI 49456-1425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 16181 HARBOR POINT DR, SPRING LAKE, MI 49456-1425 |
| Document Number | 20240003010 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 2024-0003010 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 16181 Harbor Point Dr was $5,839.
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 | $166,700 (+8.53%) | $333,400 (+8.53%) | |
| 2025 | $5,839.00 | $153,600 | $307,200 |
| 2023 | $143,000 | $286,000 | |
| 2022 | $5,551.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16181 Harbor Point Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 risk around 16181 Harbor Point 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.
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 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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