16357 Carol St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16357 Carol St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,765 sqft · built 1964
Lot Size	0.428 acres (18,644 sqft)
Owner	Individual Name on Record
Last Sale	$186,500 (Apr 2019)
Tax Bill	$3,717 (2025)
Deeds & Mortgages	Dec 2023 Transfer Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-428-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-428-003`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,765 sqft Living Area
1st Floor Area	1,105 sqft
Basement Area	1,105 sqft
Unfinished Basement	1,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	18,644 sqft (0.428 acres)
Lot Width	99 ft Width
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16357 CAROL ST
City	SPRING LAKE
State	MI
Zip	49456-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 16 KEAN KOURT SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	KEAN KOURT SUB
Legal Block	428
Legal Lot Number	16
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4017
Census Tract	21100

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	16357 CAROL ST, SPRING LAKE, MI 49456-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Intrafamily Transfer, Transfer
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE SHELBY STATE BANK
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Apr 22, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2019 · Amount on Record
Deed Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	201912675
Last Transfer Date	Dec 26, 2023
Transfer Doc	20230032941
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 28, 2023
Property Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207
Document Number	20230032941
Map Reference	LB 2 PG 49
Instrument Date	Dec 26, 2023
Instrument	2023-0032941
Transaction Type	Transfer
Record Updated	Jan 11, 2024

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
Relationship	Family Trust
Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207

Mortgage

Document Number	20220021420
Date	Jun 8, 2022
Instrument	2022-0021420

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207

Mortgage

Document Number	20210058072
Date	Nov 22, 2021
Instrument	2021-0058072

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207

Mortgage

Document Number	20220004162
Date	Jan 31, 2022
Instrument	2022-0004162

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jan 17, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 22, 2019
Property Address	16357 CAROL ST, SPRING LAKE, MI 49456-2207
Document Number	20190012675
Map Reference	LB 12 PG 49
Instrument Date	Apr 18, 2019
Instrument	2019-0012675
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16357 CAROL ST, 16357, SPRING LAKE, MI 49456-2207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16698 153RD AVE, SPRING LAKE, MI 49456-2111

Mortgage

Document Number	20190012676
Date	Apr 22, 2019
Instrument	2019-0012676

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

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

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		$148,600 (+1.02%)	$297,200 (+1.02%)
2025	$3,717.00 (+17.33%) Homeowner's exemption	$147,100 (+24.87%)	$294,200 (+24.87%)
2023		$117,800	$235,600
2022	$3,168.00

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	5 (1986–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Sep 1986 · 2 claims

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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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