400 Pine St, Apt 9, Spring Lake, MI 49456 Property Records

Ottawa County property record for 400 Pine St, Apt 9, Spring Lake, MI 49456

Property Summary

Property Type	Condominium
Details	1.5 ba · 1,500 sqft
Lot Size	2.89 acres (126,241 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jan 2020)
Tax Bill	$5,185 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-408-009`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-408-009`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Units	15 Units
Stories	2 Stories
Building Area	1,500 sqft Living Area
1st Floor Area	600 sqft

Exterior

Architectural Style	Condo/Apartment
Lot Area	126,241 sqft (2.89 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 PINE ST, 9
City	SPRING LAKE
State	MI
Zip	49456-2607
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RG 3
Legal Description	UNIT 9 NORTH'S COVE CONDOMINIUM, AS AMENDED, MASTER DEED RECORDED IN OTTAWA COUNTY REGISTER OF DEEDS LIBER 1155 PAGE 355, CONDOMINIUM SUBDIVISION PLAN NO 93 SEC 16 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	16
Legal Subdivision	CONDOMINIUM SUBD
Legal Block	408
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2009
Census Tract	20600

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	400 PINE ST, 9, SPRING LAKE, MI 49456-2607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 22, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 13, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 13, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK OF MICHIGAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Prior Sale	Apr 13, 2017 · Amount on Record
Deed Document Number	20202909
Prior Transfer Date	Apr 3, 2017
Prior Transfer Doc	20170013290
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	400 PINE ST APT 9, 9, SPRING LAKE, MI 49456-2607
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 PINE ST 9, 9, SPRING LAKE, MI 49456-2607

Mortgage

Document Number	20210056389
Date	Nov 11, 2021
Instrument	2021-0056389

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jan 22, 2020
Property Address	400 PINE ST APT 9, 9, SPRING LAKE, MI 49456-2607
Document Number	20200002909
Map Reference	LB 1155 PG 355
Instrument Date	Jan 17, 2020
Instrument	2020-0002909
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,121.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2993 ROCAWAY DR, 2993, HUDSONVILLE, MI 49426-7827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 GLEN CARIN DR NE, ROCKFORD, MI 49341-8243

Mortgage

Document Number	20200002910
Date	Jan 22, 2020
Instrument	2020-0002910

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 13, 2017
Property Address	400 PINE ST APT 9, 9, SPRING LAKE, MI 49456-2607
Document Number	20170013290
Map Reference	LB1155 PG355
Instrument Date	Apr 3, 2017
Instrument	2017-0013290
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13192 MARSH RD, 13192, GOWEN, MI 49326-9427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13192 MARSH RD, GOWEN, MI 49326-9427

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 13, 2017
Property Address	400 PINE ST APT 9, 9, SPRING LAKE, MI 49456-2607
Document Number	20170013291
Map Reference	LB1155 PG355
Instrument Date	Mar 30, 2017
Instrument	2017-0013291
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,814.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14633 LINCOLN LAKE AVE, 14633, GOWEN, MI 49326-9584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2993 ROCAWAY DR, HUDSONVILLE, MI 49426-7827

Mortgage

Document Number	20170013292
Date	Apr 13, 2017
Instrument	2017-0013292

Lender

Name	UNITED BANK OF MICHIGAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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		$180,100 (+4.77%)	$360,200 (+4.77%)
2025	$5,185.00 (+10.58%) Homeowner's exemption	$171,900 (+15.37%)	$343,800 (+15.37%)
2023		$149,000	$298,000
2022	$4,689.00

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 100 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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 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.

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