225 Summit St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 225 Summit St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,436 sqft · built 1957
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jul 2017)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-453-014`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-453-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,436 sqft Living Area
1st Floor Area	1,436 sqft
Basement Area	880 sqft
Unfinished Basement	880 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	6,273 sqft (0.144 acres)
Lot Dimensions	95 ft deep x 66 ft wide
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	225 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	S 95 FT OF LOT 16 BLK 1 HOPKINS ADD TO MILL POINT
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	HOPKINS ADD
Legal Block	1
Legal Lot Number	16
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	225 SUMMIT ST, SPRING LAKE, MI 49456-2056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jul 19, 2017	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2017 · Amount on Record
Deed Sale	Jul 19, 2017 · Amount on Record
Prior Sale	Dec 21, 2005 · Amount on Record
Deed Document Number	201726390
Prior Transfer Date	Feb 27, 2009
Prior Transfer Doc	005817/086
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	225 SUMMIT ST, SPRING LAKE, MI 49456-2056
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210012936
Date	Mar 10, 2021
Instrument	2021-0012936

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jul 19, 2017
Property Address	225 SUMMIT ST, SPRING LAKE, MI 49456-2056
Document Number	20170026390
Map Reference	LB1 PG54
Instrument Date	Jul 14, 2017
Instrument	2017-0026390
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 SUMMIT ST, SPRING LAKE, MI 49456-2056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 SUMMIT ST, SPRING LAKE, MI 49456-2056

Mortgage

Document Number	20170026391
Date	Jul 19, 2017
Instrument	2017-0026391

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$129,400 (-2.85%)	$258,800 (-2.85%)
2025	$3,246.00 (+16.26%) Homeowner's exemption	$133,200 (+9.99%)	$266,400 (+9.99%)
2023		$121,100	$242,200
2022	$2,792.00

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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