508 5th St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 508 5th St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,820 sqft
Lot Size	2.19 acres (95,396 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Dec 2021)
Tax Bill	$4,316 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-176-005`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-176-005`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Lot Area	95,396 sqft (2.19 acres)
Lot Depth	679 ft Depth

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	508 5TH ST
City	SPRING LAKE
State	MI
Zip	49456-9200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 2
Legal Description	PT OF LOTS 1 TO 22 BLK 4, COM ON S LI LOT 11, 202 FT E OF SW COR, TH N'LY 7445 FT PAR WITH 174TH AVE TO A PT ON N LI LOT 1 438 FT E OF NW COR, TH W 1425 FT, S'LY 6128 FT PAR TO 174TH AVE TO A PT ON N LI LOT 13, 139 FT E OF NW COR TH E 825 FT, TH S'LY
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	WILLIAM M VERMYLES ADDITION
Legal Block	4
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2000
Census Tract	20600

Owner

508 5th St is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	508 5TH ST, SPRING LAKE, MI 49456-9200
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
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Dec 7, 2021	Warranty Deed, Transfer · Conventional Mortgage MACATAWA BANK
Apr 5, 2019	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	Apr 5, 2019 · Amount on File
Deed Document Number	202160091
Prior Transfer Date	Jul 1, 2010
Prior Transfer Doc	0000025018
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	508 5TH ST, SPRING LAKE, MI 49456-9200
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200011264
Date	Mar 23, 2020
Instrument	2020-0011264

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 7, 2021
Property Address	508 5TH ST, SPRING LAKE, MI 49456-9200
Document Number	20210060091
Map Reference	B 1P G 106
Instrument Date	Dec 6, 2021
Instrument	2021-0060091
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 5TH ST, SPRING LAKE, MI 49456-9200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15835 PIPER LANE #301 # 301, 301, GRAND HAVEN, MI 49417

Mortgage

Document Number	20210060092
Date	Dec 7, 2021
Instrument	2021-0060092

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 5, 2019
Property Address	508 5TH ST, SPRING LAKE, MI 49456-9200
Document Number	20190010215
Instrument Date	Mar 22, 2019
Instrument	2019-0010215
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$765.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 5TH ST, SPRING LAKE, MI 49456-9200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 5TH ST, SPRING LAKE, MI 49456-9200

Tax Assessment & Valuation

The 2025 property tax bill for 508 5th St was $4,316 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Ottawa County
Municipality	Ferrysburg City
Unified School District	Grand Haven Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$186,000	$372,000
2025	$4,316.00
2023		$190,200	$380,400
2022	$4,290.00

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

Flood

FEMA maps place 508 5th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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	4 in force
Nearby Flood Claims	2 (1985–1986)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1986 · 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 508 5th 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	FERRYSBURG serves 3,268 people · EPA ID MI0002285
Water Source	Purchased surface water from NORTHWEST OTTAWA CO WATER SYST
Last State Inspection	Jun 2025
Lead	3 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, Verizon.

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