302 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 302 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft · built 1915
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on File
Last Sale	$375,000 (Oct 2024)
Tax Bill	$6,773 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Jun 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-22-201-008`

Property Details

APN / Parcel Number

Primary APN	`70-03-22-201-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,566 sqft Living Area
1st Floor Area	1,010 sqft
Basement Area	849 sqft
Unfinished Basement	849 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	302 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-2051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 2 BLK 2 MARTIN P VISSER'S ADD TO VILLAGE OF SPRING LAKE
Legal Range	16W
Legal Township	8N
Legal Section	22
Legal Subdivision	VISSERS ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2006
Census Tract	21100

Owner

302 River St is owner-occupied and held in a trust since October 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2019	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Dec 11, 2018	Warranty Deed, Transfer NOT AVAILABLE, 616 TITLE AGENCY
Aug 9, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 4, 2018	Deed, Transfer · Commercial Mortgage GSCL LLC
Jan 12, 2017	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2024 · Amount on File
Deed Sale	Oct 9, 2024 · Amount on File
Prior Sale	Jun 25, 2019 · Amount on File
Deed Document Number	202426321
Prior Transfer Date	Jul 31, 2018
Prior Transfer Doc	20180028032
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 25, 2019
Property Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Document Number	20190021080
Map Reference	LB 1 PG 64
Instrument Date	Jun 14, 2019
Instrument	2019-0021080
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,892.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 RIVER ST, SPRING LAKE, MI 49456-2051

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	302 RIVER ST, SPRING LAKE, MI 49456-2051

Mortgage

Document Number	20190021081
Date	Jun 25, 2019
Instrument	2019-0021081

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 25, 2019
Property Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Document Number	20190021079
Map Reference	LB 1 PG 64
Instrument Date	Jun 14, 2019
Instrument	2019-0021079
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$1,698.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	335 BRIDGE ST NW APT 1502, 1502, GRAND RAPIDS, MI 49504-8710

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	302 RIVER ST, SPRING LAKE, MI 49456-2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 11, 2018
Property Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Document Number	20180043811
Map Reference	LB1 PG64
Instrument Date	Dec 7, 2018
Instrument	2018-0043811
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	NOT AVAILABLE, 616 TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 RIVER ST, SPRING LAKE, MI 49456-2051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 BRIDGE ST NW APT 1502, 1502, GRAND RAPIDS, MI 49504-8710
Investor	Possibly a Property Investor

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Aug 9, 2018
Property Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Document Number	20180028032
Map Reference	MB1 PG64
Instrument Date	Jul 31, 2018
Instrument	2018-0028032
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	TITLE AGENCY OF MICHIGAN, 616 TITLE AGENCY OF MICHIGAN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 RIVER ST, SPRING LAKE, MI 49456-2051

Mortgage

Document Number	20180028033
Date	Aug 9, 2018
Instrument	2018-0028033

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 4, 2018
Property Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Document Number	20180011162
Map Reference	LB1 PG64
Instrument Date	Mar 28, 2018
Instrument	2018-0011162
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 WEST ST, MUSKEGON, MI 49442-4343

Mortgage

Document Number	20180011226
Date	Apr 4, 2018
Instrument	2018-0011226

Lender

Name	GSCL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OTTAWA MI
Recording Date	Jan 12, 2017
Property Address	302 RIVER ST, SPRING LAKE, MI 49456-2051
Document Number	20170001539
Map Reference	LB1 PG64
Instrument Date	Jan 5, 2017
Instrument	2017-0001539
Transaction Type	Foreclosure
Record Updated	Jul 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

Tax Assessment & Valuation

The 2025 property tax bill for 302 River St was $6,773 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		$176,400 (+7.43%)	$352,800 (+7.43%)
2025	$6,773.00 Homeowner's exemption	$164,200	$328,400
2023		$143,900	$287,800
2022	$6,459.00

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 302 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

Wildfire risk around 302 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	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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