243 Riverfront St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 243 Riverfront St, Spring Lake, MI 49456

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,394 sqft · built 1999
Lot Size	1.51 acres (66,037 sqft)
Owner	Company Name on Record
Last Sale	$549,000 (Aug 2022)
Tax Bill	$7,349 (2025)
Deeds & Mortgages	Sep 2022 Transfer Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-392-004`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-392-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,394 sqft Living Area
1st Floor Area	1,394 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	66,037 sqft (1.51 acres)
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	243 RIVERFRONT ST
City	SPRING LAKE
State	MI
Zip	49456-2082
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	MFR-B
Legal Description	UNIT 4 SPRING COVE CONDOMINIUMS WEST, AS AMENDED, AS RECORDED IN MASTER DEED LIBER 2641 PAGES 170-208 OTTAWA COUNTY CONDO SUB PLAN NO 247 SEC 15 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	15
Legal Subdivision	OTTAWA COUNTY CONDO SUB
Legal Block	392
Legal Unit	4
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2003
Census Tract	21100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	243 RIVERFRONT ST, SPRING LAKE, MI 49456-2082
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Intrafamily Transfer, Transfer
Aug 17, 2022	Warranty Deed, Transfer ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC
Nov 2, 2021	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Prior Sale	Jul 31, 2015 · Amount on Record
Deed Document Number	202229608
Last Transfer Date	Sep 15, 2022
Transfer Doc	20220033997
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Sep 27, 2022
Property Address	243 RIVERFRONT ST, SPRING LAKE, MI 49456-2082
Document Number	20220033997
Map Reference	LB 2641 PG 170
Instrument Date	Sep 15, 2022
Instrument	2022-0033997
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	15496 LINN CT, SPRING LAKE, MI 49456-1547

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 17, 2022
Property Address	243 RIVERFRONT ST, SPRING LAKE, MI 49456-2082
Document Number	20220029608
Map Reference	LB 2641 PG 170
Instrument Date	Aug 10, 2022
Instrument	2022-0029608
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$4,117.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	243 RIVERFRONT ST, 243, SPRING LAKE, MI 49456-2082

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 RIVERFRONT ST, SPRING LAKE, MI 49456-2082

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	243 RIVERFRONT ST, SPRING LAKE, MI 49456-2082
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 RIVERFRONT ST, SPRING LAKE, MI 49456-2082

Mortgage

Document Number	20210054640
Date	Nov 2, 2021
Instrument	2021-0054640

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 15, 2046

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		$196,700 (+9.77%)	$393,400 (+9.77%)
2025	$7,349.00 (+80.03%) Homeowner's exemption	$179,200 (+8.87%)	$358,400 (+8.87%)
2023		$164,600	$329,200
2022	$4,082.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile, Verizon.

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