Ottawa County property record for 320 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,181 sqft · built 1988 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Oct 2022) |
| Tax Bill | $6,577 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-22-202-013 |
| Primary APN | 70-03-22-202-013 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,181 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 1,066 sqft |
| Unfinished Basement | 1,066 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 198 ft deep x 86 ft wide |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-2055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOT 2 & S 20 FT OF LOT 1, BLK 2 K BRONGERSMA'S ADD |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 22 |
| Legal Subdivision | BRONGERSMAS ADD |
| Legal Block | 2 |
| Legal Lot Number | 1-2 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21100 |
320 River St is owned and occupied by an individual who bought it in October 2022.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 RIVER ST, SPRING LAKE, MI 49456-2055 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2022 · Amount on File |
| Deed Sale | Oct 19, 2022 · Amount on File |
| Prior Sale | Jan 8, 2007 |
| Deed Document Number | 202236463 |
| Prior Transfer Date | Apr 17, 2007 |
| Prior Transfer Doc | 005408/379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Oct 19, 2022 |
| Property Address | 320 RIVER ST, SPRING LAKE, MI 49456-2055 |
| Document Number | 20220036463 |
| Map Reference | LB 1 PG 65 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022-0036463 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 RIVER ST, SPRING LAKE, MI 49456-2055 |
| Name | Verified Name |
|---|---|
| Address | 442 HARRISON AVE, HOLLAND, MI 49423-3927 |
| Document Number | 20220036464 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 2022-0036464 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
The 2025 property tax bill for 320 River St was $6,577 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $175,700 (+6.81%) | $351,400 (+6.81%) | |
| 2025 | $6,577.00 Homeowner's exemption | $164,500 | $329,000 |
| 2023 | $147,300 | $294,600 | |
| 2022 | $3,177.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 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 risk around 320 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.
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 |
| 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.
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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