511 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 511 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,019 sqft · built 1940
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit Oct 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-482-016`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-482-016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,019 sqft Living Area
1st Floor Area	1,014 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	297 ft deep x 66 ft wide
Garage Area	665 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 24 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	482
Legal Lot Number	8,24
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3016
Census Tract	21100

Owner

Source: Ottawa County assessment roll, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	511 RIVER ST, SPRING LAKE, MI 49456-1907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 16, 2018	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 4, 2009
Deed Sale	Dec 4, 2009
Prior Sale	Oct 24, 2006
Deed Document Number	200947794
Prior Transfer Date	Nov 1, 2007
Prior Transfer Doc	005543/779
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	511 RIVER ST, SPRING LAKE, MI 49456-1907
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170021504
Date	Jun 15, 2017
Instrument	2017-0021504

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	511 RIVER ST, SPRING LAKE, MI 49456-1907
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180037146
Date	Oct 16, 2018
Instrument	2018-0037146

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 21, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	511 RIVER ST, SPRING LAKE, MI 49456-1907
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200032464
Date	Aug 5, 2020
Instrument	2020-0032464

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 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		$126,500 (-2.77%)	$253,000 (-2.77%)
2025	$3,208.00 (+16.27%) Homeowner's exemption	$130,100 (+7.88%)	$260,200 (+7.88%)
2023		$120,600	$241,200
2022	$2,759.00

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

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	None beyond ember reach

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 USA 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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