421 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 421 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 766 sqft · built 1930
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Oct 2025)
Tax Bill	$3,440 (2025)
Deeds & Mortgages	Oct 2025 Sale Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-481-013`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-481-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	766 sqft Living Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 36 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	481
Legal Lot Number	8,36
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
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	2 Individual Names on Record
Mailing Address	14943 GROENEVELT, SPRING LAKE, MI 49456-9552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Warranty Deed, Transfer STARTEX TITLE AGENCY LLC, STARTITLE AGENCY LLC
Aug 9, 2023	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Jul 25, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Aug 9, 2023 · Amount on Record
Deed Document Number	202529852
Prior Transfer Date	Feb 6, 2014
Prior Transfer Doc	20140005103
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 23, 2025
Property Address	421 RIVER ST, SPRING LAKE, MI 49456-1905
Document Number	20250029852
Map Reference	LB 8 PG 77
Instrument Date	Oct 17, 2025
Instrument	2025-0029852
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	STARTEX TITLE AGENCY LLC, STARTITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,717.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 RIVER ST, SPRING LAKE, MI 49456-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14943 GROENEVELT, SPRING LAKE, MI 49456-9552

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 9, 2023
Property Address	421 RIVER ST, SPRING LAKE, MI 49456-1905
Document Number	20230019755
Map Reference	LB 8 PG 77
Instrument Date	Aug 4, 2023
Instrument	2023-0019755
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIVER ST, SPRING LAKE, MI 49456-1905

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jul 25, 2019
Property Address	421 RIVER ST, SPRING LAKE, MI 49456-1905
Document Number	20190024999
Map Reference	LB 8 PG 77
Instrument Date	Jul 23, 2019
Instrument	2019-0024999
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 RIVER ST, SPRING LAKE, MI 49456-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIVER ST, SPRING LAKE, MI 49456-1905

Mortgage

Document Number	20190025000
Date	Jul 25, 2019
Instrument	2019-0025000

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$86,000 (+3.12%)	$172,000 (+3.12%)
2025	$3,440.00 (+0.26%) Homeowner's exemption	$83,400 (+6.65%)	$166,800 (+6.65%)
2024	$3,431.00 (+95.72%)
2023		$78,200	$156,400
2022	$1,753.00

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 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

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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