415 River St, Spring Lake, MI 49456 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,352 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jun 2017)
Tax Bill	$3,156 (2025)
Deeds & Mortgages	Dec 2019 Transfer Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-456-018`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-456-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,352 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

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
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 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 38 KOSTER'S ASSESSOR'S PLAT NO 1
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	456
Legal Lot Number	38
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
Census Tract	21100

Owner

415 River St is owned and occupied by two individuals who acquired it in November 2019.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	415 RIVER ST, SPRING LAKE, MI 49456-1905
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2019	Intrafamily Transfer, Transfer
Jun 16, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE MICHIGAN LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Prior Sale	Jan 7, 2016 · Amount on File
Deed Document Number	201721784
Last Transfer Date	Nov 14, 2019
Transfer Doc	20190046329
Record Updated	Oct 29, 2026

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 11, 2019
Property Address	415 RIVER ST, SPRING LAKE, MI 49456-1905
Document Number	20190046329
Instrument Date	Nov 14, 2019
Instrument	2019-0046329
Transaction Type	Transfer
Record Updated	Jul 11, 2023

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	310 TERRILL AVE, GRAND HAVEN, MI 49417-2554

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 16, 2017
Property Address	415 RIVER ST, SPRING LAKE, MI 49456-1905
Document Number	20170021784
Map Reference	LB8 PG77
Instrument Date	Jun 16, 2017
Instrument	2017-0021784
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 RIVER ST, SPRING LAKE, MI 49456-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 RIVER ST, SPRING LAKE, MI 49456-1905

Mortgage

Document Number	20170021785
Date	Jun 16, 2017
Instrument	2017-0021785

Lender

Name	FIFTH THIRD MORTGAGE MICHIGAN LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 415 River St was $3,156 with a homeowner's exemption.

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		$143,200 (+25.72%)	$286,400 (+25.72%)
2025	$3,156.00 Homeowner's exemption	$113,900	$227,800
2023		$101,300	$202,600
2022	$2,715.00

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

Flood

FEMA maps place 415 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

Wildfire risk around 415 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.

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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