Ottawa County property record for 425 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,407 sqft · built 1900 |
| Lot Size | 1 acres (43,821 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,748 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-481-024 |
| Primary APN | 70-03-15-481-024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,407 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 804 sqft |
| Unfinished Basement | 804 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 43,821 sqft (1 acres) |
| Lot Dimensions | 614 ft deep x 82 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 425 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 35 EXC E 55 FT OF S 132 FT ALSO EXC N 73 FT KOSTER'S ASSESSOR'S PLAT NO 1 |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | FT KOSTERS ASSESSORS PLAT |
| Legal Block | 481 |
| Legal Lot Number | 35 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21100 |
425 River St is owned and occupied by an individual.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 425 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.
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRI-CITIES CREDIT UNION |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MMS MORTGAGE SERVICES LTD |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | May 29, 2026 |
| Property Address | 425 RIVER ST, SPRING LAKE, MI 49456-1905 |
| Document Number | 0000015907 |
| Instrument Date | May 19, 2026 |
| Instrument | 202615907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 425 RIVER ST, SPRING LAKE, MI 49456-1905 |
| Document Number | 0000015907, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 202615907 |
| Name | TRI-CITIES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 425 RIVER ST, SPRING LAKE, MI 49456-1905 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20210004679 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2021-0004679 |
| Name | MMS MORTGAGE SERVICES LTD |
|---|---|
| Type | Mortgage Company |
| Address | FARMINGTON, MI 48331 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
The 2025 property tax bill for 425 River St was $2,748 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $116,900 | $233,800 | |
| 2025 | $2,748.00 | ||
| 2023 | $102,300 | $204,600 | |
| 2022 | $2,364.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 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 risk around 425 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures