Ottawa County property record for 220 Summit St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,780 sqft · built 1930 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Mar 2011) |
| Tax Bill | $3,976 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-454-007 |
| Primary APN | 70-03-15-454-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,780 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 1,168 sqft |
| Unfinished Basement | 1,168 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Width | 66 ft Width |
| Garage Area | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 220 SUMMIT ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-2057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-B |
| Legal Description | LOT 4 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 | 4 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 21100 |
Source: Ottawa County records, as of July 21, 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 | 220 SUMMIT ST, SPRING LAKE, MI 49456-2057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Feb 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Sep 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2011 · Amount on Record |
| Deed Sale | Mar 10, 2011 · Amount on Record |
| Prior Sale | Dec 17, 2009 · Amount on Record |
| Deed Document Number | 20119290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 220 SUMMIT ST, SPRING LAKE, MI 49456-2057 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 20170040730 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 2017-0040730 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 220 SUMMIT ST, SPRING LAKE, MI 49456-2057 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20170006833 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 2017-0006833 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 220 SUMMIT ST, SPRING LAKE, MI 49456-2057 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20190031227 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 2019-0031227 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2034 |
Source: Ottawa County assessment roll, as of July 21, 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 | $175,400 (+27.1%) | $350,800 (+27.1%) | |
| 2025 | $3,976.00 (+16.26%) | ||
| 2023 | $138,000 | $276,000 | |
| 2022 | $3,420.00 |
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 |
|---|---|
| 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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