Ottawa County property record for 233 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,146 sqft · built 1942 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Sep 2009) |
| Tax Bill | $2,273 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-454-019 |
| Primary APN | 70-03-15-454-019 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,146 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Width | 66 ft Width |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 233 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-2050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-B |
| Legal Description | LOT 18 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 | 18 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 21100 |
233 River St is owned and occupied by an individual who acquired it in September 2020.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 233 RIVER ST, SPRING LAKE, MI 49456-2050 |
| 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 |
|---|---|
| Jun 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Sep 10, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2009 · Amount on File |
| Deed Sale | Sep 2, 2009 · Amount on File |
| Deed Document Number | 200936600 |
| Last Transfer Date | Sep 10, 2020 |
| Transfer Doc | 0000039110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 233 RIVER ST, SPRING LAKE, MI 49456-2050 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20210029408 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 2021-0029408 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Sep 10, 2020 |
| Property Address | 233 RIVER ST, SPRING LAKE, MI 49456-2050 |
| Document Number | 20200039110 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 2020-0039110 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 233 RIVER ST, SPRING LAKE, MI 49456-2050 |
The 2025 property tax bill for 233 River St was $2,273 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 | $113,400 | $226,800 | |
| 2025 | $2,273.00 | ||
| 2023 | $99,600 | $199,200 | |
| 2022 | $1,955.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 233 River St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.
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 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 233 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 |
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