227 Prospect St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 227 Prospect St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,578 sqft · built 1926
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$3,438 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-455-016`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-455-016`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,578 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	227 PROSPECT ST
City	SPRING LAKE
State	MI
Zip	49456-2046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 53 KOSTER'S ASSESSOR'S PLAT NO 2
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	455
Legal Lot Number	53
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3014
Census Tract	21100

Owner

227 Prospect St is owned and occupied by an individual who acquired it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046
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
Nov 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRI CITIES CU
May 11, 2022	Intrafamily Transfer, Transfer
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jul 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2016
Deed Sale	Aug 9, 2016
Prior Sale	Mar 25, 2015 · Amount on File
Deed Document Number	201628731
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046

Mortgage

Document Number	20230030175
Date	Nov 27, 2023
Instrument	2023-0030175

Lender

Name	TRI CITIES CU
Type	Credit Union
Address	GRAND HAVEN, MI 49417

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2033

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	May 11, 2022
Property Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046
Document Number	20220017929
Map Reference	LB 8 PG 78
Instrument Date	Apr 28, 2022
Instrument	2022-0017929
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 PROSPECT ST, SPRING LAKE, MI 49456-2046

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046

Mortgage

Document Number	20210052201
Date	Oct 19, 2021
Instrument	2021-0052201

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	227 PROSPECT ST, SPRING LAKE, MI 49456-2046
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190025728
Date	Jul 30, 2019
Instrument	2019-0025728

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 227 Prospect St was $3,438 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		$133,800	$267,600
2025	$3,438.00
2023		$124,400	$248,800
2022	$2,957.00

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

Flood

FEMA maps place 227 Prospect 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 227 Prospect 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	Direct burnable vegetation

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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