16242 Suffolk Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16242 Suffolk Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,476 sqft · built 1970
Lot Size	0.317 acres (13,809 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jul 2026)
Tax Bill	$3,843 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-225-008`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-225-008`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,476 sqft Living Area
1st Floor Area	1,436 sqft
Basement Area	967 sqft
Unfinished Basement	967 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	13,809 sqft (0.317 acres)
Lot Dimensions	138 ft deep x 100 ft wide
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16242 SUFFOLK DR
City	SPRING LAKE
State	MI
Zip	49456-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 1
Legal Description	LOT 87 HARBOR POINT NO 3
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	HARBOR POINT #3
Legal Block	225
Legal Lot Number	87
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	3
Census Block	3012
Census Tract	20600

Owner

16242 Suffolk Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Dec 13, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Apr 11, 2019	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Jun 13, 2017	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Deed Document Number	202623369
Prior Transfer Date	Dec 9, 2019
Prior Transfer Doc	20190046744
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jul 31, 2026
Property Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434
Document Number	0000023369
Instrument Date	Jul 29, 2026
Instrument	202623369
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$456,015.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434

Mortgage

Document Number	0000023370,
Date	Jul 31, 2026
Instrument	202623370

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 13, 2019
Property Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434
Document Number	20190046744
Map Reference	LB 17 PG 24
Instrument Date	Dec 9, 2019
Instrument	2019-0046744
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434

Mortgage

Document Number	20190046745
Date	Dec 13, 2019
Instrument	2019-0046745

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434
Transaction Type	Mortgage
Record Updated	Apr 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190011285
Date	Apr 11, 2019
Instrument	2019-0011285

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	Apr 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 13, 2017
Property Address	16242 SUFFOLK DR, SPRING LAKE, MI 49456-1434
Document Number	20170021180
Map Reference	LB17 PG24
Instrument Date	Jun 9, 2017
Instrument	2017-0021180
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	NOT AVAILABLE, GTA

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16242 SUFFOLK DR, 16242, SPRING LAKE, MI 49456-1434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3947 SILVER CHARM LN, HOWELL, MI 48843-9216

Mortgage

Document Number	20170021181
Date	Jun 13, 2017
Instrument	2017-0021181

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 16242 Suffolk Dr was $3,843 with a homeowner's exemption.

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		$193,700 (+9.75%)	$387,400 (+9.75%)
2025	$3,843.00 Homeowner's exemption	$176,500	$353,000
2023		$166,000	$332,000
2022	$3,820.00

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

FEMA maps place 16242 Suffolk Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.

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.

Wildfire

Wildfire risk around 16242 Suffolk 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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