16184 Norfolk Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16184 Norfolk Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,857 sqft · built 1964
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Company Names on File
Tax Bill	$6,096 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-480-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-480-003`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,857 sqft Living Area
1st Floor Area	1,069 sqft
Basement Area	1,069 sqft
Unfinished Basement	1,069 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16184 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 9 HARBOR POINT
Legal Range	13W
Legal Township	7N
Legal Section	10
Legal Subdivision	HARBOR POINT
Legal Block	480
Legal Lot Number	9
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	16184 NORFOLK DR, SPRING LAKE, MI 49456-1426
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2013
Deed Sale	Oct 10, 2013
Deed Document Number	201345941
Last Transfer Date	Dec 13, 2013
Transfer Doc	20130054572
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Jun 29, 2026
Property Address	16184 NORFOLK DR, SPRING LAKE, MI 49456-1426
Document Number	0000019389
Instrument Date	Jun 24, 2026
Instrument	202619389
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16184 NORFOLK DR, SPRING LAKE, MI 49456-1426

Mortgage

Document Number	0000019389,
Date	Jun 29, 2026
Instrument	202619389

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16184 NORFOLK DR, SPRING LAKE, MI 49456-1426
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16184 NORFOLK DR, SPRING LAKE, MI 49456-1426

Mortgage

Document Number	20210057745
Date	Nov 19, 2021
Instrument	2021-0057745

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$519,400 (+13.83%)	$1,038,800 (+13.83%)
2025	$6,096.00 (+8.95%) Homeowner's exemption	$456,300 (+28.21%)	$912,600 (+28.21%)
2023		$355,900	$711,800
2022	$5,595.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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