314 Oak St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 314 Oak St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,104 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Nov 2021)
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-405-004`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-405-004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	314 OAK ST
City	SPRING LAKE
State	MI
Zip	49456-9071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CORECOM
Legal Description	LOT 6 BLK 18 VIL OF FERRYSBURG
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	VILLAGE OF FERRYSBURG
Legal Block	18
Legal Lot Number	6
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2010
Census Tract	20600

Owner

314 Oak St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 243, FERRYSBURG, MI 49409-0243
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
Oct 13, 2021	Deed of Trust, Mortgage · Commercial Mortgage MOYER DEVELOPMENT LLC
Nov 30, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jul 15, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2021 · Amount on File
Deed Sale	Nov 30, 2021 · Amount on File
Prior Sale	Jul 15, 2021 · Amount on File
Deed Document Number	202159026
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	314 OAK ST, SPRING LAKE, MI 49456-9071
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210051285
Date	Oct 13, 2021
Instrument	2021-0051285

Lender

Name	MOYER DEVELOPMENT LLC
Type	Non-Lending Institution
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Commercial Mortgage

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 30, 2021
Property Address	314 OAK ST, SPRING LAKE, MI 49456-9071
Document Number	20210059026
Map Reference	LB 1 PG 48
Instrument Date	Nov 21, 2021
Instrument	2021-0059026
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	IRONGATE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,530.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7610 COTTONWOOD DR, 7610, JENISON, MI 49428-8310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 OAK ST, SPRING LAKE, MI 49456-9071

Mortgage

Document Number	20210059027
Date	Nov 30, 2021
Instrument	2021-0059027

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

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

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jul 15, 2021
Property Address	314 OAK ST, SPRING LAKE, MI 49456-9071
Document Number	20210036477
Map Reference	LB 1 PG 48
Instrument Date	Jul 1, 2021
Instrument	2021-0036477
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Amount	Amount on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 374, FERRYSBURG, MI 49409-0374

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7100 WESTGATE AVENUE, FERRYSBURG, MI 49409

Tax Assessment & Valuation

The 2025 property tax bill for 314 Oak St was $1,909 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		$82,900	$165,800
2025	$1,909.00
2023		$85,600	$171,200
2022	$2,024.00

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 314 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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 314 Oak 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	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 122 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, Verizon.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures