18590 Aztec Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 18590 Aztec Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,906 sqft · built 1989
Lot Size	0.467 acres (20,343 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jan 2024)
Tax Bill	$6,078 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-06-480-007`

Property Details

APN / Parcel Number

Primary APN	`70-03-06-480-007`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,906 sqft Living Area
1st Floor Area	1,374 sqft
Basement Area	1,374 sqft
Unfinished Basement	1,374 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bungalow
Lot Area	20,343 sqft (0.467 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18590 AZTEC DR
City	SPRING LAKE
State	MI
Zip	49456-9015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 68 NORTH HOLIDAY HILLS SUB NO 2
Legal Range	13W
Legal Township	8N
Legal Section	06
Legal Subdivision	HOLIDAY HILLS SUB
Legal Block	480
Legal Lot Number	68
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2000
Census Tract	20504

Owner

18590 Aztec Dr is owned and occupied by an individual who bought it in January 2024.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jan 4, 2024	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Sep 6, 2022	Warranty Deed, Transfer · Conventional Mortgage MERCANTILE BANK
Aug 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE MORTGAGE COMPANY OF MICHIGAN
Apr 12, 2017	Warranty Deed, Transfer · Conventional Mortgage MACATAWA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2024 · Amount on File
Deed Sale	Jan 4, 2024 · Amount on File
Prior Sale	Sep 6, 2022 · Amount on File
Deed Document Number	2024256
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	UNKNOWN, CTM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015

Mortgage

Document Number	20250028977
Date	Oct 15, 2025
Instrument	2025-0028977

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jan 4, 2024
Property Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015
Document Number	20240000256
Map Reference	LB 21 PG 57
Instrument Date	Jan 3, 2024
Instrument	2024-0000256
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2307 CAMBRIDGE DR SE, GRAND RAPIDS, MI 49506-5241

Mortgage

Document Number	20240000257
Date	Jan 4, 2024
Instrument	2024-0000257

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 6, 2022
Property Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015
Document Number	20220031807
Map Reference	LB 21 PG 57
Instrument Date	Sep 2, 2022
Instrument	2022-0031807
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18590 AZTEC DR, 18590, SPRING LAKE, MI 49456-9015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 N WASHINGTON ST, LOWELL, MI 49331-1803

Mortgage

Document Number	20220031808
Date	Sep 6, 2022
Instrument	2022-0031808

Lender

Name	MERCANTILE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	Other
Margin	3
Max Rate	9.75%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200033374
Date	Aug 11, 2020
Instrument	2020-0033374

Lender

Name	CHOICEONE MORTGAGE COMPANY OF MICHIGAN
Type	Mortgage Company
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 12, 2017
Property Address	18590 AZTEC DR, SPRING LAKE, MI 49456-9015
Document Number	20170013202
Map Reference	LB21 PG57
Instrument Date	Apr 10, 2017
Instrument	2017-0013202
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18590 AZTEC DR, 18590, SPRING LAKE, MI 49456-9015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 S 1ST ST UNIT 402, 402, GRAND HAVEN, MI 49417-3335

Mortgage

Document Number	20170013203
Date	Apr 12, 2017
Instrument	2017-0013203

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18590 Aztec Dr was $6,078 with a homeowner's exemption.

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	Grand Haven Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$232,900	$465,800
2025	$6,078.00
2023		$208,100	$416,200
2022	$4,356.00

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.

Flood

FEMA maps place 18590 Aztec Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 18590 Aztec Dr is low, with a 0.01% annual chance of 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	NORTON SHORES serves 23,994 people · EPA ID MI0004850
Water Source	Purchased surface water from MUSKEGON
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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