16524 Spring Tree Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 16524 Spring Tree Dr, Spring Lake, MI 49456

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,580 sqft · built 2019
Lot Size	0.388 acres (16,901 sqft)
Owner	Individual Name on Record
Last Sale	$103,900 (Aug 2019)
Tax Bill	$8,623 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-328-004`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-328-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,580 sqft Living Area
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Lot Area	16,901 sqft (0.388 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	16524 SPRING TREE DR
City	SPRING LAKE
State	MI
Zip	49456-1213
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-2
Legal Description	UNIT 36 SPRING RIDGE AS AMENDED IN OTTAWA COUNTY REGISTER OF DEEDS DOC #2018-0015533 CONDO PLAN #633 SEC 10 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	10
Legal Subdivision	SPRING RIDGE
Legal Unit	36
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 July 21, 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	16524 SPRING TREE DR, SPRING LAKE, MI 49456-1213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Aug 30, 2019	Warranty Deed, Construction Loan · Construction Mortgage MACATAWA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	201930404
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16524 SPRING TREE DR, SPRING LAKE, MI 49456-1213
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210016213
Date	Mar 26, 2021
Instrument	2021-0016213

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16524 SPRING TREE DR, SPRING LAKE, MI 49456-1213
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200006600
Date	Feb 21, 2020
Instrument	2020-0006600

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	16524 SPRING TREE DR, SPRING LAKE, MI 49456-1213
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15524 SPRING TREE DR, SPRING LAKE, MI 49456

Mortgage

Document Number	20220007738
Date	Feb 28, 2022
Instrument	2022-0007738

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 30, 2019
Property Address	16524 SPRING TREE DR, SPRING LAKE, MI 49456-1213
Document Number	20190030404
Map Reference	DOC 2017-0041965
Instrument Date	Aug 30, 2019
Instrument	2019-0030404
Transaction Type	Construction Loan
Record Updated	Aug 12, 2022
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$894.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3115 RAILWAY DR SW, 3115, BYRON CENTER, MI 49315-8984

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2311 N HILLTOP DR, NORTON SHORES, MI 49441-4497

Mortgage

Document Number	20190030405
Date	Aug 30, 2019
Instrument	2019-0030405

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 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		$336,900 (+10.28%)	$673,800 (+10.28%)
2025	$8,623.00 (+17.8%)
2023		$305,500	$611,000
2022	$7,320.00

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum.

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