303 E Savidge St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 303 E Savidge St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,124 sqft · built 1940
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Aug 2026)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-451-024`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-451-024`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	2,124 sqft Living Area
1st Floor Area	2,124 sqft
Basement Area	712 sqft
Unfinished Basement	712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	209 ft deep x 75 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	303 E SAVIDGE ST
City	SPRING LAKE
State	MI
Zip	49456-1727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	PART OF LOT 1 BLK 1 BARTHOLOMEW'S ADD COM S 89D 55M E 24 FT FROM SW COR OF LOT 1 KOSTER'S ASSESS PLAT NO 2, TH N 0D 10M 40S W 20898 FT, S 89D 55M E 7599 FT, TH S 0D 06M 03S W 20898 FT, TH N 89D 55M W 7498 FT TO BEG BARTHOLOMEW'S ADD
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	ASSESS PLAT
Legal Block	1
Legal Lot Number	1
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1015
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	2 Individual Names on Record
Mailing Address	303 E SAVIDGE ST, SPRING LAKE, MI 49456-1727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit UBANK
Feb 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage UBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Dec 8, 2016 · Amount on Record
Deed Document Number	202625094
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 14, 2026
Property Address	303 E SAVIDGE ST, SPRING LAKE, MI 49456-1727
Document Number	0000025094
Instrument Date	Aug 14, 2026
Instrument	202625094
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390,870.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E SAVIDGE ST, SPRING LAKE, MI 49456-1727

Mortgage

Document Number	0000025095,
Date	Aug 14, 2026
Instrument	202625095

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	303 E SAVIDGE ST, SPRING LAKE, MI 49456-1727
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20220032954
Date	Sep 16, 2022
Instrument	2022-0032954

Lender

Name	UBANK
Type	Bank
Address	ADA, MI 49301

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	303 E SAVIDGE ST, SPRING LAKE, MI 49456-1727
Transaction Type	Mortgage
Record Updated	Mar 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200007433
Date	Feb 27, 2020
Instrument	2020-0007433

Lender

Name	UBANK
Type	Bank
Address	ADA, MI 49301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$177,300 (+16.41%)	$354,600 (+16.41%)
2025	$6,334.00 (+15.46%)
2023		$152,300	$304,600
2022	$5,486.00

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (2016–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2020

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 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	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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