515 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 515 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,693 sqft · built 1850
Lot Size	0.484 acres (21,083 sqft)
Owner	Individual Name on Record
Last Sale	$172,300 (Sep 2012)
Tax Bill	$7,172 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-482-017`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-482-017`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,693 sqft Living Area
1st Floor Area	1,853 sqft
Basement Area	1,715 sqft
Unfinished Basement	1,715 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Lot Area	21,083 sqft (0.484 acres)
Lot Dimensions	297 ft deep x 71 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 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 23 KOSTER'S ASSESSOR'S PLAT NO 1 SEC 15 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	482
Legal Lot Number	23
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3016
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	Individual Name on Record
Mailing Address	515 RIVER ST, SPRING LAKE, MI 49456-1907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2012 · Amount on Record
Deed Sale	Sep 6, 2012 · Amount on Record
Prior Sale	Sep 26, 2006 · Amount on Record
Deed Document Number	201236945
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	515 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	20210011707
Date	Mar 3, 2021
Instrument	2021-0011707

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	515 RIVER ST, SPRING LAKE, MI 49456-1907
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210005627
Date	Feb 1, 2021
Instrument	2021-0005627

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	515 RIVER ST, SPRING LAKE, MI 49456-1907
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 RIVER ST, SPRING LAKE, MI 49456-1907

Mortgage

Document Number	20230013144
Date	May 31, 2023
Instrument	2023-0013144

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 15, 2038

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		$260,200 (+20.07%)	$520,400 (+20.07%)
2025	$7,172.00 (+110.57%)
2023		$216,700	$433,400
2022	$3,406.00

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

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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