17860 W Spring Lake Rd, Spring Lake, MI 49456 Property Records

Ottawa County property record for 17860 W Spring Lake Rd, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,181 sqft · built 1994
Lot Size	1.31 acres (57,194 sqft)
Owner	Individual Name on Record
Last Sale	$725,000 (Dec 2023)
Tax Bill	$13,816 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-400-084`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-400-084`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,181 sqft Living Area
1st Floor Area	3,181 sqft
Basement Area	2,841 sqft
Unfinished Basement	2,841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bungalow
Lot Area	57,194 sqft (1.31 acres)
Lot Dimensions	572 ft deep x 100 ft wide
Garage Area	573 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	17860 W SPRING LAKE RD
City	SPRING LAKE
State	MI
Zip	49456-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF N 1/2 OF SE 1/4 (GOVT LOT 3) COM N 0D 11M 40S W 450 FT & S 89D 52M E 200 FT FROM SW COR OF SD GOVT LOT 3, TH N 0D 11M 40S W 100 FT, S 89D 52M E 53919 FT, TH S 33D 14M 40S E 11975 FT, N 89D 52M W 6045 FT TO BEG SEC 10 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	10
Legal Block	400
Legal Lot Number	3
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3001
Census Tract	20600

Owner

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	Individual Name on Record
Mailing Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Dec 6, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2023 · Amount on Record
Deed Sale	Dec 6, 2023 · Amount on Record
Deed Document Number	202331021
Prior Transfer Date	Jul 12, 2013
Prior Transfer Doc	20130036913
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Sep 21, 2026
Property Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	0000029264
Instrument Date	Sep 4, 2026
Instrument	202629264
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

Mortgage

Document Number	0000029264,
Date	Sep 21, 2026
Instrument	202629264

Lender

Name	INDEPENDENT BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

Mortgage

Document Number	20250035456
Date	Dec 15, 2025
Instrument	2025-0035456

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 6, 2023
Property Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	20230031021
Instrument Date	Dec 1, 2023
Instrument	2023-0031021
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17860 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

Mortgage

Document Number	20230031022
Date	Dec 6, 2023
Instrument	2023-0031022

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

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		$421,100 (-5.56%)	$842,200 (-5.56%)
2025	$13,816.00 (+83.82%) Homeowner's exemption	$445,900 (+10.98%)	$891,800 (+10.98%)
2023		$401,800	$803,600
2022	$7,516.00

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Spectrum, T-Mobile.

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