415 E Savidge St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 415 E Savidge St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,526 sqft · built 1860
Lot Size	0.612 acres (26,659 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2007)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2020 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-476-009`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-476-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,526 sqft Living Area
1st Floor Area	1,470 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	26,659 sqft (0.612 acres)
Lot Dimensions	151 ft deep x 176 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 E SAVIDGE ST
City	SPRING LAKE
State	MI
Zip	49456-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	PART OF GOVT LOT 8 COM ON N LI OF SAVIDGE ST AT INTERS E LI OF ALDEN ST, TH E'LY ALG N LI OF SAVIDGE ST 1761 FT, TH N 0D57M E 1525 FT, TH N 89D35M W 1768 FT TO E LI OF ALDEN ST, TH S 1513 FT TO BEG SEC 15 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	15
Legal Subdivision	VILLAGE SPRING LAKE
Legal Block	476
Legal Lot Number	8
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	1
Census Block	1014
Census Tract	21100

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	415 E SAVIDGE ST, SPRING LAKE, MI 49456-1759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jan 24, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAKE TRUST CU
Mar 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2007 · Amount on Record
Deed Sale	Jul 12, 2007 · Amount on Record
Prior Sale	Sep 9, 2005
Deed Book / Page	5465 / 509
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	415 E SAVIDGE ST, SPRING LAKE, MI 49456-1759
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E SAVIDGE ST, SPRING LAKE, MI 49456-1759

Mortgage

Document Number	20220006951
Date	Feb 22, 2022
Instrument	2022-0006951

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	415 E SAVIDGE ST, SPRING LAKE, MI 49456-1759
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200003154
Date	Jan 24, 2020
Instrument	2020-0003154

Lender

Name	LAKE TRUST CU
Type	Credit Union
Address	BRIGHTON, MI 48114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 8, 2030

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	415 E SAVIDGE ST, SPRING LAKE, MI 49456-1759
Transaction Type	Mortgage
Record Updated	Apr 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180009619
Date	Mar 22, 2018
Instrument	2018-0009619

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$184,100 (+16.08%)	$368,200 (+16.08%)
2025	$4,588.00 (+16.24%)
2023		$158,600	$317,200
2022	$3,947.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	3 in force
Nearby Flood Claims	4 (2016–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2020

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	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 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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