Ottawa County property record for 16715 Pond Crk, Spring Lake, MI 49456
| Property Type | Condominium |
|---|---|
| Details | 5 bd · 3.5 ba · 3,200 sqft · built 2005 |
| Lot Size | 1.84 acres (80,150 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $867,000 (Jul 2025) |
| Tax Bill | $10,554 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-03-103-002 |
| Primary APN | 70-03-03-103-002 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,200 sqft Living Area |
| 1st Floor Area | 2,125 sqft |
| Basement Area | 2,125 sqft |
| Unfinished Basement | 2,125 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bungalow |
| Lot Area | 80,150 sqft (1.84 acres) |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16715 POND CRK |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-9792 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RR |
| Legal Description | UNIT 9 HEMLOCK RIDGE ESTATES, AS AMENDED, MASTER DEED RECORDED IN OTTAWA COUNTY REGISTER OF DEEDS LIBER 4489 PAGE 88 CONDO SUB PLAN NO 380 SEC 3 T8N R16W |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 03 |
| Legal Subdivision | HEMLOCK RIDGE |
| Legal Block | 103 |
| Legal Unit | 9 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20503 |
Source: Ottawa County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP |
| Jul 31, 2019 | Intrafamily Transfer, Transfer |
| Jun 24, 2019 | Warranty Deed, Transfer · ARM LAKE MICHIGAN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2025 · Amount on Record |
| Deed Sale | Jul 24, 2025 · Amount on Record |
| Prior Sale | Jun 24, 2019 · Amount on Record |
| Deed Document Number | 202519652 |
| Prior Transfer Date | Jul 31, 2019 |
| Prior Transfer Doc | 20190025993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Document Number | 20230002365 |
|---|---|
| Date | Jan 31, 2023 |
| Instrument | 2023-0002365 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20210032482 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021-0032482 |
| Name | SOFI LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Mar 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 31, 2019 |
| Property Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Document Number | 20190025993 |
| Map Reference | LB 4489 PG 88 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 2019-0025993 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 24, 2019 |
| Property Address | 16715 POND CRK, SPRING LAKE, MI 49456-9792 |
| Document Number | 20190020863 |
| Map Reference | LB 4731 PG 259 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 2019-0020863 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | BRIDGE TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,699.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16715 POND CRK, 16715, SPRING LAKE, MI 49456-9792 |
| Name | Verified Name |
|---|---|
| Address | 3952 DARCLIFF LN, TWIN LAKE, MI 49457-8635 |
| Document Number | 20190020864 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 2019-0020864 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.11% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.11% |
| Index | 1-Year LIBOR |
| Max Rate | 9.11% |
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| County Subdivision | Spring Lake Township |
| Unified School District | Spring Lake Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $425,500 (+8.63%) | $851,000 (+8.63%) | |
| 2025 | $10,554.00 (+17.34%) Homeowner's exemption | $391,700 (+7.76%) | $783,400 (+7.76%) |
| 2023 | $363,500 | $727,000 | |
| 2022 | $8,994.00 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 61 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 |
| AT&T DSL | 100 / 20 |
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