Ottawa County property record for 407 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,421 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Jan 2011) |
| Tax Bill | $4,212 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-456-016 |
| Primary APN | 70-03-15-456-016 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 812 sqft |
| Basement Area | 812 sqft |
| Unfinished Basement | 812 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOT 40 KOSTER'S ASSESSOR'S PLAT NO 1 OF PART OF US GOVT LOT 8 SEC 15 T8N R16W VILLAGE OF SPRING LAKE |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 15 |
| Legal Subdivision | S PLAT |
| Legal Block | 456 |
| Legal Lot Number | 8,40 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21100 |
407 River St is owned by an individual who bought it in January 2011.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 220 W SAVIDGE ST, SPRING LAKE, MI 49456-1605 |
| 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 | Jan 27, 2011 · Amount on File |
| Deed Sale | Jan 27, 2011 · Amount on File |
| Prior Sale | Jul 10, 2009 · Amount on File |
| Deed Document Number | 20114076 |
| Prior Transfer Date | Sep 18, 2008 |
| Prior Transfer Doc | 005725/143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 407 RIVER ST, SPRING LAKE, MI 49456-1905 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20170048597 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 2017-0048597 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 407 River St was $4,212.
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 | $111,500 | $223,000 | |
| 2025 | $4,212.00 | ||
| 2023 | $106,900 | $213,800 | |
| 2022 | $3,648.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 River St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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 risk around 407 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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