16313 Taft Rd, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16313 Taft Rd, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,464 sqft · built 1982
Lot Size	0.958 acres (41,730 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (May 2026)
Tax Bill	$4,518 (2025)
Deeds & Mortgages	May 2006 Line of Credit Jul 2005 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-03-400-058`

Property Details

APN / Parcel Number

Primary APN	`70-03-03-400-058`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,464 sqft Living Area
1st Floor Area	1,464 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	41,730 sqft (0.958 acres)
Lot Dimensions	363 ft deep x 115 ft wide
Garage Area	1,320 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16313 TAFT RD
City	SPRING LAKE
State	MI
Zip	49456-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PART OF SW 1/4 OF SE 1/4 COM 76492 FT W OF SE COR OF SD SW 1/4 OF SE 1/4, TH W 11508 FT, N 0D 51M W 396 FT, E 11508 FT, TH S 0D 51M E 396 FT TO BEG SEC 3 T8N R16W 105 A
Legal Range	16W
Legal Township	08N
Legal Section	03
Legal Block	400
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2013
Census Tract	20503

Owner

16313 Taft Rd is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	19557 N SHORE DR, SPRING LAKE, MI 49456-9107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
May 1, 2006	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Jul 12, 2005	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Aug 20, 2007	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Jun 28, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Jun 28, 2021 · Amount on File
Deed Document Number	202612716
Prior Transfer Date	Apr 9, 2021
Prior Transfer Doc	20210021003
Record Updated	Oct 29, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005161/494
Date	May 1, 2006
Book Page	5161/494

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004911/795
Date	Jul 12, 2005
Book Page	4911/795

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	1850 E PARIS AVE SE, GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005488/845
Date	Aug 20, 2007
Book Page	5488/845

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2027

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 1, 2026
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Document Number	0000012716
Instrument Date	Apr 17, 2026
Instrument	2026.12716
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282,295.00
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	19557 N SHORE DR, SPRING LAKE, MI 49456-9107

Mortgage

Document Number	0000012717,
Date	May 1, 2026
Instrument	2026..12717

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 1, 2026
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Document Number	20260012716
Instrument Date	Apr 17, 2026
Instrument	202612716
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282,295.00
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	19557 N SHORE DR, SPRING LAKE, MI 49456-9107

Mortgage

Document Number	0000012717,
Date	May 1, 2026
Instrument	202612717

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

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

Interest

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

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 28, 2021
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Document Number	20210033224
Instrument Date	Jun 14, 2021
Instrument	2021-0033224
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16313 TAFT RD, 16313, SPRING LAKE, MI 49456-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18073 MOHAWK DR, SPRING LAKE, MI 49456-9122

Mortgage

Document Number	20210033225
Date	Jun 28, 2021
Instrument	2021-0033225

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 19, 2021
Property Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017
Document Number	20210021003
Instrument Date	Apr 9, 2021
Instrument	2021-0021003
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16313 TAFT RD, SPRING LAKE, MI 49456-1017

Mortgage

Document Number	20210021004
Date	Apr 19, 2021
Instrument	2021-0021004

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 16313 Taft Rd was $4,518 with a homeowner's exemption.

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		$176,700 (+2.97%)	$353,400 (+2.97%)
2025	$4,518.00 Homeowner's exemption	$171,600	$343,200
2023		$142,900	$285,800
2022	$3,851.00

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 16313 Taft Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

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

Wildfire risk around 16313 Taft Rd 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	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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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