19110 Cambridge, Spring Lake, MI 49456 Property Records

Ottawa County property record for 19110 Cambridge, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,164 sqft · built 1992
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Apr 2020)
Tax Bill	$14,225 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Aug 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-18-477-021`

Property Details

APN / Parcel Number

Primary APN	`70-03-18-477-021`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,164 sqft Living Area
1st Floor Area	1,074 sqft
Basement Area	1,074 sqft
Unfinished Basement	1,074 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	15,594 sqft (0.358 acres)
Lot Dimensions	130 ft deep x 120 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	19110 CAMBRIDGE
City	SPRING LAKE
State	MI
Zip	49456-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	LOT 241 & 242, ALSO S 1/2 OF VAC CAMBRIDGE DR ADJ TO LOT 242 ON N GRAND HAVEN BEACH SUB NO2
Legal Range	13
Legal Township	5
Legal Section	18
Legal Subdivision	GRAND HAVEN BEACH SUB
Legal Block	477
Legal Lot Number	241-242
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2019
Census Tract	20600

Owner

19110 Cambridge is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	19110 CAMBRIDGE, SPRING LAKE, MI 49456-9406
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
Feb 23, 2017	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Aug 3, 2020	Intrafamily Transfer, Transfer FOUNDATION TITLE AGENCY, FOUNDATION TTL AGCY LLC
Apr 15, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on File
Deed Sale	Apr 15, 2020 · Amount on File
Prior Sale	Sep 16, 2005
Deed Document Number	202014604
Prior Transfer Date	Apr 10, 2020
Prior Transfer Doc	0000031975
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	19110 CAMBRIDGE, SPRING LAKE, MI 49456-9406
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170006778
Date	Feb 23, 2017
Instrument	2017-0006778

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Aug 3, 2020
Property Address	19110 CAMBRIDGE, SPRING LAKE, MI 49456-9406
Document Number	20200031975
Map Reference	LB 8 PG 50
Instrument Date	Apr 10, 2020
Instrument	2020-0031975
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TTL AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	19110 CAMBRIDGE, SPRING LAKE, MI 49456-9406

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 15, 2020
Property Address	19110 CAMBRIDGE, SPRING LAKE, MI 49456-9406
Document Number	20200014604
Map Reference	LB 8 PG 50
Instrument Date	Apr 10, 2020
Instrument	2020-0014604
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,687.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19110 MAIDEN LN, 19110, SPRING LAKE, MI 49456-9440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19110 MAIDEN LN, SPRING LAKE, MI 49456-9440

Mortgage

Document Number	20200014605
Date	Apr 15, 2020
Instrument	2020-0014605

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 19110 Cambridge was $14,225 with a homeowner's exemption.

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
Municipality	Ferrysburg City
Unified School District	Grand Haven Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$570,900	$1,141,800
2025	$14,225.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 19110 Cambridge in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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	4 in force
Nearby Flood Claims	2 (1985–1986)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1986 · river or lake flooding

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

Wildfire risk around 19110 Cambridge 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERRYSBURG serves 3,268 people · EPA ID MI0002285
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Jun 2025
Lead	3 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cambridge

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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