Ottawa County property record for 220 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,428 sqft · built 1945 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $191,500 (Aug 2017) |
| Tax Bill | $4,314 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-22-201-004 |
| Primary APN | 70-03-22-201-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,428 sqft Living Area |
| 1st Floor Area | 1,428 sqft |
| Basement Area | 1,428 sqft |
| Unfinished Basement | 1,428 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 200 ft deep x 85 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 220 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 | W 85 FT OF W 1/2 OF E 1/2 OF W 1/2 OF NW 1/4 OF NE 1/4 N OF SOUTH ST EXT W AS SHOWN IN VISSER'S ADD, EXC S 198 FT SEC 22 T8N R16W |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 22 |
| Legal Subdivision | VISSERS ADD |
| Legal Block | 201 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21100 |
220 River St is owned and occupied by an individual who bought it in August 2017.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 220 RIVER ST, SPRING LAKE, MI 49456-2053 |
| 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.
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO |
| Aug 9, 2017 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2017 · Amount on File |
| Deed Sale | Aug 9, 2017 · Amount on File |
| Deed Document Number | 201729224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 220 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20210021522 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021-0021522 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 9, 2017 |
| Property Address | 220 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Document Number | 20170029224 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 2017-0029224 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,646.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 220 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Name | Verified Name |
|---|---|
| Address | 220 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Document Number | 20170029226 |
|---|---|
| Date | Aug 9, 2017 |
| Instrument | 2017-0029226 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 220 River St was $4,314 with a homeowner's exemption.
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 | $143,000 | $286,000 | |
| 2025 | $4,314.00 | ||
| 2023 | $118,900 | $237,800 | |
| 2022 | $3,711.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 220 River 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures