317 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 317 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,180 sqft · built 1900
Lot Size	0.162 acres (7,057 sqft)
Owner	Individual Name on Record
Tax Bill	$2,734 (2025)
Deeds & Mortgages	Dec 2021 Second Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-455-015`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-455-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,180 sqft Living Area
1st Floor Area	734 sqft
Basement Area	594 sqft
Unfinished Basement	594 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,057 sqft (0.162 acres)
Lot Dimensions	107 ft deep x 66 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	317 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-2089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 44 EXC N 91 FT KOSTER'S ASSESSOR'S PLAT NO 2
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	FT KOSTERS ASSESSORS PLAT
Legal Block	455
Legal Lot Number	44
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3014
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	Individual Name on Record
Mailing Address	317 RIVER ST, SPRING LAKE, MI 49456-2089
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AAC CU
Nov 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 20, 2020
Transfer Doc	0000053280
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	317 RIVER ST, SPRING LAKE, MI 49456-2089
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 RIVER ST, SPRING LAKE, MI 49456-2089

Mortgage

Document Number	20210060556
Date	Dec 9, 2021
Instrument	2021-0060556

Lender

Name	AAC CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49534

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2036

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Nov 25, 2020
Property Address	317 RIVER ST, SPRING LAKE, MI 49456-2089
Document Number	20200053280
Map Reference	LB 8 PG 78
Instrument Date	Nov 20, 2020
Instrument	2020-0053280
Transaction Type	Transfer
Record Updated	Jul 11, 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	317 RIVER ST, SPRING LAKE, MI 49456-2089

Mortgage

Document Number	20200053281
Date	Nov 25, 2020
Instrument	2020-0053281

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$127,300 (+13.86%)	$254,600 (+13.86%)
2025	$2,734.00 (+16.29%)
2023		$111,800	$223,600
2022	$2,351.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · rainfall accumulation

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	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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