17949 Arbor Tree Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 17949 Arbor Tree Dr, Spring Lake, MI 49456

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,952 sqft · built 2021
Lot Size	0.348 acres (15,157 sqft)
Owner	Individual Name on Record
Last Sale	$406,170 (Aug 2021)
Tax Bill	$6,899 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-306-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-306-003`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,952 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Condo/Apartment
Lot Area	15,157 sqft (0.348 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	17949 ARBOR TREE DR
City	SPRING LAKE
State	MI
Zip	49456-1206
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-2
Legal Description	UNIT 2 SPRING RIDGE AS RECORDED IN OTTAWA COUNTY REGISTER OF DEEDS DOC #2017-0041965 CONDO PLAN #633 SEC 10 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	10
Legal Subdivision	SPRING RIDGE
Legal Unit	2
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 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	17949 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jan 13, 2021	Deed of Trust, Mortgage · Construction Mortgage TCF NATIONAL BANK
Dec 17, 2020	Warranty Deed, Transfer LIGHTHOUSE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	202144187
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 31, 2021
Property Address	17949 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Document Number	20210044187
Map Reference	DOC 2019-0002349
Instrument Date	Aug 27, 2021
Instrument	2021-0044187
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 12, 2022
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,048.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1781 R W BERENDS DR SW, 1781, WYOMING, MI 49519-4993

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18132 TRUDY DR, SPRING LAKE, MI 49456-1561

Mortgage

Document Number	20210044188
Date	Aug 31, 2021
Instrument	2021-0044188

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	17949 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210002123
Date	Jan 13, 2021
Instrument	2021-0002123

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	GRAND RAPIDS, MI 49503

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 17, 2020
Property Address	17949 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Document Number	20200057468
Instrument Date	Dec 16, 2020
Instrument	2020-0057468
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$648.75
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	1781 R W BERENDS DR SW, WYOMING, MI 49519-4993
Investor	Possibly a Property Investor

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		$263,900 (+11.92%)	$527,800 (+11.92%)
2025	$6,899.00 (+17.33%)
2023		$235,800	$471,600
2022	$5,880.00

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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