209 Williams St, Spring Lake, MI 49456 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,332 sqft · built 1949
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2018)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-481-015`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-481-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 WILLIAMS ST
City	SPRING LAKE
State	MI
Zip	49456-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 33 & N 10 FT OF LOT 32 KOSTER'S ASSESSOR'S PLAT NO 1 OF PART OF US GOVT LOT 8 SEC 15 T8N R16W VILLAGE OF SPRING LAKE
Legal Range	16W
Legal Township	08N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	481
Legal Lot Number	8,32-33
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
Census Tract	21100

Owner

209 Williams St is owned and occupied by an individual who acquired it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912
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
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 23, 2021	Intrafamily Transfer, Transfer
Aug 6, 2018	Warranty Deed, Transfer · Conventional Mortgage BRIDGE TITLE AGENCY LLC
Aug 6, 2018	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2018 · Amount on File
Deed Sale	Aug 6, 2018 · Amount on File
Prior Sale	Sep 27, 2012 · Amount on File
Deed Document Number	201827529
Last Transfer Date	Jul 30, 2021
Transfer Doc	20210042873
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20200028559
Date	Jul 15, 2020
Instrument	2020-0028559

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912

Mortgage

Document Number	20220010542
Date	Mar 18, 2022
Instrument	2022-0010542

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Aug 23, 2021
Property Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912
Document Number	20210042873
Instrument Date	Jul 30, 2021
Instrument	2021-0042873
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	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 6, 2018
Property Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912
Document Number	20180027529
Instrument Date	Jul 30, 2018
Instrument	2018-0027529
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	BRIDGE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 WILLIAMS ST, 209, SPRING LAKE, MI 49456-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7030 CAPRI ST, PORTAGE, MI 49002-9413

Mortgage

Document Number	20180027530
Date	Aug 6, 2018
Instrument	2018-0027530

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 6, 2018
Property Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912
Document Number	20180027529
Instrument Date	Jul 30, 2018
Instrument	2018-0027529
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	BRIDGE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 WILLIAMS ST, SPRING LAKE, MI 49456-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7030 CAPRI ST, PORTAGE, MI 49002-9413
Investor	Possibly a Property Investor

Mortgage

Document Number	20180027530
Date	Aug 6, 2018
Instrument	2018-0027530

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 209 Williams St was $3,993 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		$141,300 (-2.69%)	$282,600 (-2.69%)
2025	$3,993.00 Homeowner's exemption	$145,200	$290,400
2023		$131,600	$263,200
2022	$3,435.00

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

Flood

FEMA maps place 209 Williams 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 209 Williams 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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