412 5th St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 412 5th St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,338 sqft · built 1955
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2025)
Tax Bill	$8,854 (2025)
Deeds & Mortgages	Aug 2023 Sale May 2023 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-177-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-177-003`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,338 sqft Living Area
1st Floor Area	2,338 sqft
Basement Area	1,970 sqft
Unfinished Basement	1,970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	300 ft deep x 90 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 5TH ST
City	SPRING LAKE
State	MI
Zip	49456-9155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 2
Legal Description	PART LOTS 12 THRU 16 BLK 3 COM 17661 FT W OF SE COR, TH N 300 FT, W TO W LI BLK 3, S 300 FT TO SW COR BLK 3, TH E TO BEG EXC W 1 FT OF LOTS 12 THRU 16 BLK 3 SIDNEY SCOFIELD & WILLIAM M VERMYLE'S ADDITION
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	WILLIAM M VERMYLES ADDITION
Legal Block	3
Legal Lot Number	12-16
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2000
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	2 Individual Names on Record
Mailing Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Land Contract, Transfer
May 18, 2023	Quit Claim Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Nov 9, 2022	Quit Claim Deed, Transfer LIGHTHOUSE TITLE INC
Sep 6, 2022	Warranty Deed, Transfer LIGHTHOUSE TITLE INC
Mar 26, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Mar 27, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Nov 16, 2018	Intrafamily Transfer, Transfer
Sep 11, 2017	Intrafamily Transfer, Transfer SAFE TITLE
Sep 7, 2017	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on Record
Deed Sale	Jun 10, 2025 · Amount on Record
Prior Sale	Sep 6, 2022 · Amount on Record
Deed Document Number	202514866
Prior Transfer Date	May 15, 2023
Prior Transfer Doc	20230012092
Record Updated	Oct 29, 2026

August 2023: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	OTTAWA MI
Recording Date	Aug 23, 2023
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20230021189
Instrument Date	Jul 3, 2023
Instrument	2023-0021189
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 S BEACON BLVD, GRAND HAVEN, MI 49417-2610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 5TH ST, SPRING LAKE, MI 49456-9155

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	May 18, 2023
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20230012092
Map Reference	LB 1 PG 106
Instrument Date	May 15, 2023
Instrument	2023-0012092
Transaction Type	Transfer
Record Updated	Jun 5, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	412 5TH ST, SPRING LAKE, MI 49456-9155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 5TH ST, SPRING LAKE, MI 49456-9155

Mortgage

Document Number	20230012093
Date	May 18, 2023
Instrument	2023-0012093

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 9, 2022
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20220038858
Map Reference	LB 1 PG 106
Instrument Date	Nov 9, 2022
Instrument	2022-0038858
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	LIGHTHOUSE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 MONARCH ST, 217, SPRING LAKE, MI 49456-1616

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 S BEACON BLVD, GRAND HAVEN, MI 49417-2610

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 6, 2022
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20220031670
Map Reference	LB 1 PG 106
Instrument Date	Aug 31, 2022
Instrument	2022-0031670
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,222.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	412 5TH ST, 412, SPRING LAKE, MI 49456-9155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 MONARCH ST, SPRING LAKE, MI 49456-1616

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200011769
Date	Mar 26, 2020
Instrument	2020-0011769

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Transaction Type	Mortgage
Record Updated	Apr 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190009064
Date	Mar 27, 2019
Instrument	2019-0009064

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85260

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2047

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Nov 16, 2018
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20180041132
Map Reference	LB1 PG106
Instrument Date	Feb 13, 2018
Instrument	2018-0041132
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	412 5TH ST, 412, SPRING LAKE, MI 49456-9155

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	412 5TH ST, SPRING LAKE, MI 49456-9155

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Sep 11, 2017
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20170033416
Map Reference	LB1 PG106
Instrument Date	Aug 23, 2017
Instrument	2017-0033416
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	SAFE TITLE

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
Relationship	Joint Tenants with Right of Survivorship
Address	412 5TH ST, SPRING LAKE, MI 49456-9155

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 7, 2017
Property Address	412 5TH ST, SPRING LAKE, MI 49456-9155
Document Number	20170033084
Map Reference	LB1 PG106
Instrument Date	Aug 23, 2017
Instrument	2017-0033084
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,513.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15359 MEADOWLARK DR, 15359, GRAND HAVEN, MI 49417-7931

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	412 5TH ST, SPRING LAKE, MI 49456-9155

Mortgage

Document Number	20170033085
Date	Sep 7, 2017
Instrument	2017-0033085

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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		$189,800 (+1.99%)	$379,600 (+1.99%)
2025	$8,854.00 (+160.03%)	$186,100 (-2.51%)	$372,200 (-2.51%)
2023		$190,900	$381,800
2022	$3,405.00

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
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 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	FERRYSBURG serves 3,268 people · EPA ID MI0002285
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Jun 2025
Lead	3 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, Verizon.

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