Ottawa County property record for 402 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1939 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $83,505 (May 2010) |
| Tax Bill | $2,851 (2025) |
| Deeds & Mortgages | Dec 2018 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-22-226-001 |
| Primary APN | 70-03-22-226-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 21 Units |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 132 ft deep x 99 ft wide |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 402 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | W 1/2 OF LOT 1 & ALL LOT 2 BLK 1 K BRONGERSMA'S ADD TO VILLAGE OF SPRING LAKE |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 22 |
| Legal Subdivision | BRONGERSMAS ADD |
| Legal Block | 1 |
| Legal Lot Number | 1-2 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21100 |
402 River St is owned and occupied by an individual who acquired it in April 2023.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 RIVER ST, SPRING LAKE, MI 49456-1906 |
| 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.
| Date | Document |
|---|---|
| Dec 4, 2018 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Apr 14, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2010 · Amount on File |
| Deed Sale | May 3, 2010 · Amount on File |
| Prior Sale | Aug 4, 2009 · Amount on File |
| Deed Document Number | 201016692 |
| Last Transfer Date | Apr 8, 2023 |
| Transfer Doc | 20230009011 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 402 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20180042911 |
|---|---|
| Date | Dec 4, 2018 |
| Instrument | 2018-0042911 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Dec 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 14, 2023 |
| Property Address | 402 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Document Number | 20230009011 |
| Map Reference | LB 1 PG 65 |
| Instrument Date | Apr 8, 2023 |
| Instrument | 2023-0009011 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Document Number | 20230009012 |
|---|---|
| Date | Apr 14, 2023 |
| Instrument | 2023-0009012 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
The 2025 property tax bill for 402 River St was $2,851 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 | $118,000 (+6.88%) | $236,000 (+6.88%) | |
| 2025 | $2,851.00 Homeowner's exemption | $110,400 | $220,800 |
| 2023 | $100,300 | $200,600 | |
| 2022 | $2,452.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 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 402 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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