17981 Arbor Tree Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 17981 Arbor Tree Dr, Spring Lake, MI 49456

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,968 sqft · built 2018
Lot Size	0.371 acres (16,161 sqft)
Owner	Individual Name on Record
Last Sale	$421,000 (Oct 2018)
Tax Bill	$8,739 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-10-306-001`

Property Details

APN / Parcel Number

Primary APN	`70-03-10-306-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,968 sqft Living Area
1st Floor Area	1,696 sqft
Basement Area	1,696 sqft
Unfinished Basement	1,696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bungalow
Lot Area	16,161 sqft (0.371 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	17981 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 1 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	1
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Nov 26, 2019	Intrafamily Transfer, Transfer
Oct 1, 2018	Warranty Deed, Subdivision Related Transfer · ARM THE HUNTINGTON NATIONAL BANK
Oct 1, 2018	Warranty Deed, Subdivision Related Transfer · ARM THE HUNTINGTON NATIONAL BANK
Jan 22, 2018	Warranty Deed, Transfer · Commercial Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	20182019-0034874
Last Transfer Date	Nov 25, 2019
Transfer Doc	20190044099
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200016198
Date	Apr 28, 2020
Instrument	2020-0016198

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Nov 26, 2019
Property Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Document Number	20190044099
Map Reference	DOC 2017-0041965
Instrument Date	Nov 25, 2019
Instrument	2019-0044099
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17981 ARBOR TREE DR, 17981, SPRING LAKE, MI 49456-1206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 1, 2018
Property Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Document Number	20180034874
Instrument Date	Sep 28, 2018
Instrument	2018-0034874
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 19, 2021
Title Company	LIGHTHOUSE TITLE INC, LIGTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,620.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1777 R W BERENDS DR SW, 1777, WYOMING, MI 49519-4993

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11575 KINGS COLONY, GRAND BLANC, MI 48439-8658

Mortgage

Document Number	20180034875
Date	Oct 1, 2018
Instrument	2018-0034875

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.05%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.05%
Index	1-Year LIBOR
Max Rate	9.05%

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 1, 2018
Property Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Document Number	20190034874
Instrument Date	Sep 28, 2018
Instrument	2019-0034874
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 19, 2021
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,620.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1777 RW BERENDS DR, 1777, GRANDVILLE, MI 49418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11575 KINGS COLONY, GRAND BLANC, MI 48439-8658

Mortgage

Document Number	20190034875
Date	Oct 1, 2018
Instrument	2019-0034875

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.05%
Type Change Date	Oct 1, 2033
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.05%
Index	1-Year LIBOR
Max Rate	9.05%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jan 22, 2018
Property Address	17981 ARBOR TREE DR, SPRING LAKE, MI 49456-1206
Document Number	20180002518
Instrument Date	Jan 22, 2018
Instrument	2018-0002518
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$649.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3115 RAILSIDE, 3115, BYRON CENTER, MI 49315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1777 R W BERENDS DR SW, WYOMING, MI 49519-4993
Investor	Possibly a Property Investor

Mortgage

Document Number	20180002519
Date	Jan 22, 2018
Instrument	2018-0002519

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$352,900 (-5.69%)	$705,800 (-5.69%)
2025	$8,739.00 (+28.53%) Homeowner's exemption	$374,200 (+25.57%)	$748,400 (+25.57%)
2023		$298,000	$596,000
2022	$6,799.00

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.

Nearby Properties on Arbor Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures