16237 Terrace Rd, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16237 Terrace Rd, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 2020
Lot Size	0.429 acres (18,687 sqft)
Owner	Individual Name on Record
Last Sale	$349,900 (Jun 2022)
Tax Bill	$5,309 (2025)
Deeds & Mortgages	Nov 2020 Construction Loan Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-226-030`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-226-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,650 sqft Living Area
1st Floor Area	910 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	18,687 sqft (0.429 acres)
Lot Dimensions	130 ft deep x 143 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16237 TERRACE RD
City	SPRING LAKE
State	MI
Zip	49456-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	W 10 FT OF LOT 21 & LOTS 22, 23 SPRING LAKE TERRACE SUB
Legal Range	13W
Legal Township	7N
Legal Section	10
Legal Subdivision	SPRING LAKE TERRACE SUB
Legal Block	226
Legal Lot Number	21-23
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2009
Census Tract	20503

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	16237 TERRACE RD, SPRING LAKE, MI 49456-2315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Construction Mortgage MACATAWA BANK
Dec 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Apr 14, 2021	Warranty Deed, Subdivision Related Transfer LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Apr 14, 2021 · Amount on Record
Deed Document Number	202220556
Prior Transfer Date	Oct 16, 2014
Prior Transfer Doc	20140036759
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16237 TERRACE RD, SPRING LAKE, MI 49456-2315
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20200051315
Date	Nov 13, 2020
Instrument	2020-0051315

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49422

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16237 TERRACE RD, SPRING LAKE, MI 49456-2315
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210061947
Date	Dec 20, 2021
Instrument	2021-0061947

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 1, 2022
Property Address	16237 TERRACE RD, SPRING LAKE, MI 49456-2315
Document Number	20220020556
Map Reference	LB 8 PG 59
Instrument Date	May 31, 2022
Instrument	2022-0020556
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16484 SPRING TREE DR, SPRING LAKE, MI 49456-1208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6020 WILSON RD, FRUITPORT, MI 49415-9501

Mortgage

Document Number	20220020557
Date	Jun 1, 2022
Instrument	2022-0020557

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 14, 2021
Property Address	16237 TERRACE RD, SPRING LAKE, MI 49456-2315
Document Number	20210020271
Map Reference	LB 8 PG 59
Instrument Date	Mar 12, 2021
Instrument	2021-0020271
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2023
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 547, BYRON CENTER, MI 49315-0547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16237 TERRACE RD, SPRING LAKE, MI 49456-2315

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
County Subdivision	Spring Lake Township
Unified School District	Spring Lake Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$174,400 (+0.23%)	$348,800 (+0.23%)
2025	$5,309.00 (+33.59%) Homeowner's exemption	$174,000 (+9.92%)	$348,000 (+9.92%)
2023		$158,300	$316,600
2022	$3,974.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 in force
Nearby Flood Claims	2 (2013–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2020 · 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	SPRING LAKE TOWNSHIP serves 9,393 people · EPA ID MI0006235
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Nov 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T, Verizon, Xfinity.

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