16340 Van Wagoner Rd, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16340 Van Wagoner Rd, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,728 sqft · built 2018
Lot Size	1.89 acres (82,328 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Mar 2018)
Tax Bill	$12,603 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-400-105`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-400-105`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Building Area	2,728 sqft Living Area
1st Floor Area	2,728 sqft
Basement Area	2,472 sqft
Unfinished Basement	2,472 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bungalow
Lot Area	82,328 sqft (1.89 acres)
Garage Area	1,392 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16340 VAN WAGONER RD
City	SPRING LAKE
State	MI
Zip	49456-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	PART OF SE 1/4 COM AT CEN 1/4 COR, TH E 200 FT ALG E&W 1/4 LI, TH S 0D 41M 33S E 44396 FT, TH W 200 FT TO N&S 1/4 LI, TH N 0D 41M 33S W 44396 FT ALG N&S 1/4 LI TO BEG SEC 10 T8N R16W 204 AC
Legal Range	16W
Legal Township	08N
Legal Section	10
Legal Block	400
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3002
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	Individual Name on Record
Mailing Address	16340 VAN WAGONER RD, SPRING LAKE, MI 49456-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Jul 13, 2018	Deed of Trust, Mortgage · ARM CHEMICAL BANK
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Mar 26, 2018	Warranty Deed, Transfer SAFE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2018 · Amount on Record
Deed Sale	Mar 26, 2018 · Amount on Record
Deed Document Number	20189863
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16340 VAN WAGONER RD, SPRING LAKE, MI 49456-1440
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210022611
Date	Apr 27, 2021
Instrument	2021-0022611

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16340 VAN WAGONER RD, SPRING LAKE, MI 49456-1440
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180024599
Date	Jul 13, 2018
Instrument	2018-0024599

Lender

Name	CHEMICAL BANK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16340 VAN WAGONER RD, SPRING LAKE, MI 49456-1440
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190041389
Date	Nov 7, 2019
Instrument	2019-0041389

Lender

Name	CHEMICAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 26, 2018
Property Address	16340 VAN WAGONER RD, SPRING LAKE, MI 49456-1440
Document Number	20180009863
Instrument Date	Mar 23, 2018
Instrument	2018-0009863
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	SAFE TITLE

Transaction

Amount	Amount Recorded
Tax	$748.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18927 WHISPERING PINES WAY, 18927, SPRING LAKE, MI 49456-8820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18111 WOODLAND TRL, SPRING LAKE, MI 49456-2831

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		$558,800 (+21.64%)	$1,117,600 (+21.64%)
2025	$12,603.00 (+24.31%)
2023		$459,400	$918,800
2022	$10,138.00

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
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	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	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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