Ottawa County property record for 412 River St, Spring Lake, MI 49456 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1900 |
| Square Footage | 901 sqft Living Area |
| Lot Size | 8,146 sqft (0.187 acres) |
| Last Sale | $140,000 (2017) |
| Tax Bill | $3,226.00 (2025) |
| Primary APN | 70-03-22-226-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 901 sqft Living Area |
| 1st Floor | 901 sqft 1st Floor |
| Basement Area | 562 sqft Basement |
| Unfinished Basement | 562 sqft Unfinished |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,146 sqft (0.187 acres) |
| Depth X Width | 196 ft x 41.5 ft Depth x Width |
| Heating System | Hot Water Heating |
|---|
| Street Address | 412 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1906 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PART OF NE 1/4 OF NE 1/4 COM 57 FT E OF NW COR, TH E 415 FT, S 198 FT, W 415 FT, N 198 FT TO BEG SEC 22 T8N R16W |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 22 |
| Legal Block | 226 |
| Jurisdiction | OTTAWA MI |
| Minor Civil Division | SPRING LAKE |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 21100 |
Source: Ottawa County records · APN 70-03-22-226-004
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 8225 RITZ PINE DR NE, ROCKFORD, MI 49341-8253 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Feb 16, 2017 | Warranty Deed, Transfer TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Feb 16, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CHERRY CREEK MORTGAGE CO INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 16, 2017 · Amount on Record |
| Deed Sale | Feb 16, 2017 · Amount on Record |
| Prior Sale | Feb 16, 2017 · Amount on Record |
| Deed Doc Number | 20175823 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 412 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | NOT AVAILABLE, WORLDWIDE |
| Name | Verified Name |
|---|---|
| Address | 8225 RITZ PINE DR NE, ROCKFORD, MI 49341-8253 |
| Investor | Possibly a Property Investor |
| Document Number | 20210063442 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021-0063442 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 16, 2017 |
| Property Address | 412 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Document Number | 20170005822 |
| Instrument Date | Feb 13, 2017 |
| Instrument | 2017-0005822 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $430.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12346 144TH AVE, GRAND HAVEN, MI 49417-8842 |
| Name | Verified Name |
|---|---|
| Address | 10398 APPLE BLOSSOM LN, GRAND LEDGE, MI 48837-8460 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 16, 2017 |
| Property Address | 412 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Document Number | 20170005823 |
| Instrument Date | Feb 13, 2017 |
| Instrument | 2017-0005823 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,204.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10398 APPLE BLOSSOM LN, GRAND LEDGE, MI 48837-8460 |
| Name | Verified Name |
|---|---|
| Address | 412 RIVER ST, SPRING LAKE, MI 49456-1906 |
| Document Number | 20170005824 |
|---|---|
| Date | Feb 16, 2017 |
| Instrument | 2017-0005824 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $90,600 (+15.27%) | $181,200 (+15.27%) | |
| 2025 | $3,226.00 (+15.46%) | ||
| 2023 | $78,600 | $157,200 | |
| 2022 | $2,794.00 |
Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), updated October 20, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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