202 Prospect St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 202 Prospect St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,033 sqft · built 1860
Lot Size	0.138 acres (6,011 sqft)
Owner	Trust Name on File
Last Sale	$239,000 (Jun 2016)
Tax Bill	$5,498 (2025)
Deeds & Mortgages	May 2019 Line of Credit Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-456-001`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-456-001`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,033 sqft Living Area
1st Floor Area	946 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	83.5 ft deep x 72 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	202 PROSPECT ST
City	SPRING LAKE
State	MI
Zip	49456-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 59 KOSTER'S ASSESSOR'S PLAT NO 2
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	456
Legal Lot Number	59
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
Census Tract	21100

Owner

202 Prospect St is owner-occupied and held in a trust since June 2016.

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

Owner of Record	Trust Name on File
Mailing Address	202 PROSPECT ST, SPRING LAKE, MI 49456-2047
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 23, 2019	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Mar 25, 2019	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Feb 13, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2016 · Amount on File
Deed Sale	Jun 10, 2016 · Amount on File
Prior Sale	Aug 3, 2004
Deed Document Number	201620458
Prior Transfer Date	Sep 12, 2012
Prior Transfer Doc	20120039267
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	202 PROSPECT ST, SPRING LAKE, MI 49456-2047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190016857
Date	May 23, 2019
Instrument	2019-0016857

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Mar 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	202 PROSPECT ST, SPRING LAKE, MI 49456-2047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190008649
Date	Mar 25, 2019
Instrument	2019-0008649

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Feb 13, 2019
Property Address	202 PROSPECT ST, SPRING LAKE, MI 49456-2047
Document Number	20190004467
Instrument Date	Feb 11, 2019
Instrument	2019-0004467
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	202 PROSPECT ST, 202, SPRING LAKE, MI 49456-2047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 PROSPECT ST, SPRING LAKE, MI 49456-2047

Tax Assessment & Valuation

The 2025 property tax bill for 202 Prospect St was $5,498 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
Municipality	Spring Lake Village
Unified School District	Spring Lake Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,100 (+1.32%)	$398,200 (+1.32%)
2025	$5,498.00 Homeowner's exemption	$196,500	$393,000
2023		$170,600	$341,200
2022	$4,729.00

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

Flood

FEMA maps place 202 Prospect St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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 Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · 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

Wildfire risk around 202 Prospect St 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	None beyond ember reach

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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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