228 Carmen Dr, Spring Lake, MI 49456 Property Records

Ottawa County property record for 228 Carmen Dr, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1 ba · 788 sqft · built 1950
Lot Size	0.206 acres (8,973 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2021)
Tax Bill	$1,586 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-326-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-326-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	788 sqft Living Area
1st Floor Area	788 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,973 sqft (0.206 acres)
Lot Dimensions	111 ft deep x 81 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	228 CARMEN DR
City	SPRING LAKE
State	MI
Zip	49456-9452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LI-1
Legal Description	LOT 40 NU-WAY SUBD
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	WAY SUB
Legal Block	326
Legal Lot Number	40
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2018
Census Tract	20600

Owner

228 Carmen Dr is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	228 CARMEN DR, SPRING LAKE, MI 49456-9452
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
Jan 13, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 26, 2021	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2021 · Amount on File
Deed Sale	Aug 23, 2021 · Amount on File
Prior Sale	Jan 26, 2021 · Amount on File
Deed Document Number	202142776
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	228 CARMEN DR, SPRING LAKE, MI 49456-9452
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20260001116
Date	Jan 13, 2026
Instrument	2026-0001116

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 23, 2021
Property Address	228 CARMEN DR, SPRING LAKE, MI 49456-9452
Document Number	20210042776
Map Reference	LB 10 PG 24
Instrument Date	Aug 9, 2021
Instrument	2021-0042776
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 CARMEN DR, 228, SPRING LAKE, MI 49456-9452

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	228 CARMEN DR, SPRING LAKE, MI 49456-9452

Mortgage

Document Number	20210042777
Date	Aug 23, 2021
Instrument	2021-0042777

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jan 26, 2021
Property Address	228 CARMEN DR, SPRING LAKE, MI 49456-9452
Document Number	20210004646
Map Reference	LB 10 PG 24
Instrument Date	Jan 22, 2021
Instrument	2021-0004646
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$1,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 320, FERRYSBURG, MI 49409-0320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 CARMEN DR, SPRING LAKE, MI 49456-9452

Tax Assessment & Valuation

The 2025 property tax bill for 228 Carmen Dr was $1,586 with a homeowner's exemption.

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
Municipality	Ferrysburg City
Unified School District	Grand Haven Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,900	$133,800
2025	$1,586.00
2023		$69,000	$138,000
2022	$1,577.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 228 Carmen Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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 Policies	4 in force
Nearby Flood Claims	2 (1985–1986)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1986 · 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

Wildfire risk around 228 Carmen Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERRYSBURG serves 3,268 people · EPA ID MI0002285
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Jun 2025
Lead	3 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Carmen Dr

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