206 Summit St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 206 Summit St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 856 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Sep 2021)
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-454-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-454-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	856 sqft Living Area
1st Floor Area	856 sqft
Basement Area	856 sqft
Unfinished Basement	856 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	7,100 sqft (0.163 acres)
Lot Width	66 ft Width

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	206 SUMMIT ST
City	SPRING LAKE
State	MI
Zip	49456-2076
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 8 BLK 2 HOPKINS ADD TO MILL POINT
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	HOPKINS ADD
Legal Block	2
Legal Lot Number	8
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2029
Census Tract	21100

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	206 SUMMIT ST, SPRING LAKE, MI 49456-2076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Apr 21, 2020	Deed of Trust, Mortgage · Construction Mortgage CHOICEONE BANK
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2021 · Amount on Record
Deed Sale	Sep 13, 2021 · Amount on Record
Prior Sale	Sep 7, 2010 · Amount on Record
Deed Document Number	202146095
Prior Transfer Date	Sep 10, 2021
Prior Transfer Doc	20210046095
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	206 SUMMIT ST, SPRING LAKE, MI 49456-2076
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SUMMIT ST, SPRING LAKE, MI 49456-2076

Mortgage

Document Number	20260007453
Date	Mar 20, 2026
Instrument	2026-0007453

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	206 SUMMIT ST, SPRING LAKE, MI 49456-2076
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200015212
Date	Apr 21, 2020
Instrument	2020-0015212

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 1, 2021

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 13, 2021
Property Address	206 SUMMIT ST, SPRING LAKE, MI 49456-2076
Document Number	20210046095
Map Reference	LB 1 PG 54
Instrument Date	Sep 10, 2021
Instrument	2021-0046095
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 SUMMIT ST, SPRING LAKE, MI 49456-2076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SUMMIT ST, SPRING LAKE, MI 49456-2076

Mortgage

Document Number	20210046096
Date	Sep 13, 2021
Instrument	2021-0046096

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

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

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
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		$104,700 (+4.39%)	$209,400 (+4.39%)
2025	$3,675.00 (+16.26%) Homeowner's exemption	$100,300 (+8.2%)	$200,600 (+8.2%)
2023		$92,700	$185,400
2022	$3,161.00

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

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (1986–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Apr 2020 · 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

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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