4995 Spring Rdg NE, Ada, MI 49301 Property Records

Kent County property record for 4995 Spring Rdg NE, Ada, MI 49301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,986 sqft · built 2003
Lot Size	4.15 acres (180,774 sqft)
Owner	Individual Name on File
Last Sale	$1,315,000 (Jul 2018)
Tax Bill	$18,839 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-15-19-126-006`

Property Details

APN / Parcel Number

Primary APN	`41-15-19-126-006`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	12 Rooms
Building Area	4,986 sqft Living Area
1st Floor Area	4,795 sqft
Basement Area	3,593 sqft
Finished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	180,774 sqft (4.15 acres)
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4995 SPRING RDG NE
City	ADA
State	MI
Zip	49301-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR/PUD
Legal Description	PART OF NWFRL 1/4 COM AT N 1/4 COR TH S 2D 16M 38S W ALONG N&S 1/4 LINE 1321.60 FT TO S LINE OF NEFRL 1/4 NWFRL 1/4 TH N 89D
Legal Range	10W
Legal Township	07N
Legal Section	19
Jurisdiction	KENT MI
Township / Civil Division	ADA
Census Block Group	3
Census Block	3027
Census Tract	11901

Owner

4995 Spring Rdg NE is owned and occupied by an individual who bought it in July 2018.

Source: Kent County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	4995 SPRING RDG NE, ADA, MI 49301-8800
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
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jul 24, 2018	Quit Claim Deed, Transfer · ARM RECOVCO MORTGAGE MANAGMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Deed Document Number	201856727
Prior Transfer Date	Jun 29, 2018
Prior Transfer Doc	0000056727
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	4995 SPRING RDG NE, ADA, MI 49301-8800
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4995 SPRING RDG NE, ADA, MI 49301-8800

Mortgage

Document Number	0000088898
Date	Aug 10, 2021
Instrument	20210810-0088898

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	4.5%
Index	1-Year T-Bill
Margin	3
Max Rate	7.5%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Jul 24, 2018
Property Address	4995 SPRING RDG NE, ADA, MI 49301-8800
Document Number	0000056727
Instrument Date	Jun 29, 2018
Instrument	20180724-0056727
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	GRAND RAPIDS TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,309.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4995 SPRING RDG NE, 4995, ADA, MI 49301-8800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6487 SKYRIDGE DR NE, BELMONT, MI 49306-9684

Mortgage

Document Number	0000056728
Date	Jul 24, 2018
Instrument	20180724-0056728

Lender

Name	RECOVCO MORTGAGE MANAGMENT LLC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 4995 Spring Rdg NE was $18,839.

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Ada Township
Unified School District	Forest Hills Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$912,900 (+15.69%)	$1,825,800 (+15.69%)
2025	$18,839.00 Homeowner's exemption	$789,100	$1,578,200
2023		$669,700	$1,339,400

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

Flood

FEMA maps place 4995 Spring Rdg NE in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2020–2026)
Most Recent Claim	Apr 2026 · river or lake flooding

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 4995 Spring Rdg NE 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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