17868 W Spring Lake Rd, Spring Lake, MI 49456 Property Records

Ottawa County property record for 17868 W Spring Lake Rd, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 4,510 sqft · built 2023
Lot Size	2.02 acres (87,991 sqft)
Owner	Individual Name on Record
Tax Bill	$32,309 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Oct 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-400-008`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-400-008`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Units	6 Units
Building Area	4,510 sqft Living Area
1st Floor Area	2,972 sqft
Basement Area	2,868 sqft
Unfinished Basement	2,868 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	87,991 sqft (2.02 acres)
Lot Dimensions	1,315 ft deep x 125 ft wide
Garage Area	1,452 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	17868 W SPRING LAKE RD
City	SPRING LAKE
State	MI
Zip	49456-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FEMA FLOOD
Legal Description	N 100 FT OF S 750 FT OF GOVT LOT 3 EXC S 75 FT OF W 5406 FT & N 25 FT OF S 750 FT OF NW 1/4 OF SE 1/4 E OF CO RD SEC 10 T8N
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 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	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Deed of Trust, Mortgage · Construction Mortgage THREE RIVERS FCU
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
May 23, 2019	Intrafamily Transfer, Transfer FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC
May 6, 2019	Warranty Deed, Transfer · ARM LAKE MICHIGAN CU
Dec 26, 2018	Fiduciary Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 24, 2018	Intrafamily Transfer, Transfer
Sep 24, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 1, 2019
Transfer Doc	20190016750
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Transaction Type	Mortgage
Record Updated	Dec 16, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

Mortgage

Document Number	20220041016
Date	Dec 2, 2022
Instrument	2022-0041016

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Transaction Type	Mortgage
Record Updated	Oct 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190036964
Date	Oct 11, 2019
Instrument	2019-0036964

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	May 23, 2019
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	20190016750
Instrument Date	May 1, 2019
Instrument	2019-0016750
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17868 W SPRING LAKE RD, 17868, SPRING LAKE, MI 49456-1446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 6, 2019
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	20190014496
Instrument Date	May 1, 2019
Instrument	2019-0014496
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17868 W SPRING LAKE RD, 17868, SPRING LAKE, MI 49456-1446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9451 WILLIAMS RD, DEWITT, MI 48820-9777

Mortgage

Document Number	20190014497
Date	May 6, 2019
Instrument	2019-0014497

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.49%
Max Rate At Change	6.49%
Index	1-Year LIBOR
Max Rate	9.49%

December 2018: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 26, 2018
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	20180045267
Instrument Date	Dec 21, 2018
Instrument	2018-0045267
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17046 LLOYDS BAYOU DR # DR406, 17046, SPRING LAKE, MI 49456-9266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7300 CLYDE PARK AVE SW, BYRON CENTER, MI 49315-8387

Mortgage

Document Number	20180045269
Date	Dec 26, 2018
Instrument	2018-0045269

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2034

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Sep 24, 2018
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	20180034050
Instrument Date	Sep 20, 2018
Instrument	2018-0034050
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Sep 24, 2018
Property Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446
Document Number	20180034050
Instrument Date	Sep 20, 2018
Instrument	2018-0034050
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17868 W SPRING LAKE RD, 17868, SPRING LAKE, MI 49456-1446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17868 W SPRING LAKE RD, SPRING LAKE, MI 49456-1446

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		$1,115,000 (+7.74%)	$2,230,000 (+7.74%)
2025	$32,309.00 (+119.91%) Homeowner's exemption	$1,034,900 (+140.84%)	$2,069,800 (+140.84%)
2023		$429,700	$859,400
2022	$14,692.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

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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