Ottawa County property record for 210 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 757 sqft · built 1939 |
| Lot Size | 0.167 acres (7,275 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $121,000 (Jan 2016) |
| Tax Bill | $2,739 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-22-201-002 |
| Primary APN | 70-03-22-201-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 757 sqft Living Area |
| 1st Floor Area | 752 sqft |
| Basement Area | 752 sqft |
| Unfinished Basement | 752 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Lot Area | 7,275 sqft (0.167 acres) |
| Lot Dimensions | 110 ft deep x 66 ft wide |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|
| Street Address | 210 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-2053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | PART OF W 1/2 OF W 1/2 OF NW 1/4 OF NE 1/4 COM 165 FT E & 33 FT S OF NW COR, TH S 110 FT, TH E 66 FT, TH N 110 FT, TH W 66 FT TO BEG SEC 22 T8N R16W 2 A |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 22 |
| Legal Block | 201 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21100 |
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 | 210 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LAKE TRUST CREDIT UNION |
| Jun 4, 2018 | Deed of Trust, Mortgage LAKE TRUST CU |
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC |
| Sep 4, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2016 · Amount on Record |
| Deed Sale | Jan 28, 2016 · Amount on Record |
| Prior Sale | Sep 22, 2005 |
| Deed Document Number | 20163476 |
| Prior Transfer Date | Jun 12, 2003 |
| Prior Transfer Doc | 4150000361 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 23, 2026 |
| Property Address | 210 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Document Number | 0000011458 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202611458 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 210 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Document Number | 0000011458, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 202611458 |
| Name | LAKE TRUST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 6, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.54% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 210 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20180019197 |
|---|---|
| Date | Jun 4, 2018 |
| Instrument | 2018-0019197 |
| Name | LAKE TRUST CU |
|---|---|
| Type | Credit Union |
| Address | BELLEVUE, OH 44811 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 10, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 210 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20200041237 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2020-0041237 |
| Name | MORTGAGE CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Sep 4, 2018 |
| Property Address | 210 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Document Number | 20180031390 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 2018-0031390 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 210 RIVER ST SPRING LK, SPRING LAKE, MI 49456 |
| Name | Verified Name |
|---|---|
| Address | 210 RIVER ST SPRING LK, SPRING LAKE, MI 49456 |
Source: Ottawa County assessment roll, as of October 12, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,700 (+5.54%) | $209,400 (+5.54%) | |
| 2025 | $2,739.00 (+16.26%) Homeowner's exemption | $99,200 (+8.65%) | $198,400 (+8.65%) |
| 2023 | $91,300 | $182,600 | |
| 2022 | $2,356.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 67 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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