209 Summit St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 209 Summit St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,592 sqft · built 1927
Lot Size	0.217 acres (9,453 sqft)
Owner	Individual Name on Record
Tax Bill	$6,099 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-453-017`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-453-017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,592 sqft Living Area
1st Floor Area	978 sqft
Basement Area	818 sqft
Unfinished Basement	818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	9,453 sqft (0.217 acres)
Lot Width	88 ft Width
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 SUMMIT ST
City	SPRING LAKE
State	MI
Zip	49456-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	E 22 FT OF LOT 11 & LOT 12 HOPKINS ADD TO MILL POINT
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	HOPKINS ADD
Legal Block	453
Legal Lot Number	11-12
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2028
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	209 SUMMIT ST, SPRING LAKE, MI 49456-2056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 19, 2022	Land Contract, Transfer
Jun 10, 2019	Intrafamily Transfer, Transfer
Apr 4, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 9, 2011
Transfer Doc	0000018050
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190013035
Date	Apr 24, 2019
Instrument	2019-0013035

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	OTTAWA MI
Recording Date	Dec 19, 2022
Property Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056
Document Number	20220042633
Instrument Date	Dec 16, 2022
Instrument	2022-0042633
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 HULL TER, EVANSTON, IL 60202-3201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jun 10, 2019
Property Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056
Document Number	20190018975
Instrument Date	Jun 6, 2019
Instrument	2019-0018975
Transaction Type	Transfer
Record Updated	Jul 11, 2023

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
Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Apr 4, 2018
Property Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056
Document Number	20180011187
Instrument Date	Apr 4, 2018
Instrument	2018-0011187
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 S LAKE AVE, SPRING LAKE, MI 49456-2416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 SUMMIT ST, SPRING LAKE, MI 49456-2056

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		$145,200 (-3.52%)	$290,400 (-3.52%)
2025	$6,099.00 (+44.97%) Homeowner's exemption	$150,500 (+10.18%)	$301,000 (+10.18%)
2023		$136,600	$273,200
2022	$4,207.00

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
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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