517 Pine St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 517 Pine St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,800 sqft
Lot Size	0.164 acres (7,144 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Apr 2026)
Tax Bill	$3,280 (2025)
Deeds & Mortgages	Apr 2006 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-254-026`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-254-026`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,800 sqft Living Area
1st Floor Area	1,848 sqft

Exterior

Lot Area	7,144 sqft (0.164 acres)
Lot Dimensions	130 ft deep x 55 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	517 PINE ST
City	SPRING LAKE
State	MI
Zip	49456-2623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CORECOM
Legal Description	LOT 5 FERRY HEIGHTS SUB
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	FERRY HEIGHTS
Legal Block	254
Legal Lot Number	5
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2006
Census Tract	20600

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	2 Individual Names on File
Mailing Address	17887 MOHAWK DR, SPRING LAKE, MI 49456-9120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2006	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE LENDERS NETWORK USA INC
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage VANDYK MORTGAGE CORPORATION
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage VANDYK MORTGAGE CORPORATION
Nov 10, 2008	Other, Transfer · Line of Credit CHEMICAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Nov 10, 2008 · Amount on Record
Deed Document Number	202610147
Record Updated	Sep 20, 2026

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	517 PINE ST, SPRING LAKE, MI 49456-2623
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005148/214
Date	Apr 13, 2006
Book Page	5148/214

Lender

Name	MORTGAGE LENDERS NETWORK USA INC
Type	Subprime Lender
Address	213 COURT ST, MIDDLETOWN, CT 06457

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.87%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Index	LIBOR

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 10, 2026
Property Address	517 PINE ST, SPRING LAKE, MI 49456-2623
Document Number	0000010147
Instrument Date	Apr 6, 2026
Instrument	2026.10147
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$325,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17887 MOHAWK DR, SPRING LAKE, MI 49456-9120

Mortgage

Document Number	0000010148,
Date	Apr 10, 2026
Instrument	2026.10148

Lender

Name	VANDYK MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 10, 2026
Property Address	517 PINE ST, SPRING LAKE, MI 49456-2623
Document Number	20260010147
Instrument Date	Apr 6, 2026
Instrument	202610147
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	LIGHTHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$325,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17887 MOHAWK DR, SPRING LAKE, MI 49456-9120

Mortgage

Document Number	0000010148,
Date	Apr 10, 2026
Instrument	202610148

Lender

Name	VANDYK MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

November 2008: Other, Transfer

Document Type	Other
Jurisdiction	OTTAWA MI
Recording Date	Nov 10, 2008
Property Address	517 PINE ST, SPRING LAKE, MI 49456-2623
Document Number	5742/922
Book / Page	5742 / 922
Map Reference	LB7 PG46
Instrument Date	Oct 15, 2008
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$593.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25520 COMMERCENTRE DR # DR2ND, 25520, LAKE FOREST, CA 92630-8884

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7272 ROBBINS RD B, GRAND HAVEN, MI 49417

Mortgage

Document Number	005741/022
Date	Nov 5, 2008
Book Page	5741/022

Lender

Name	CHEMICAL BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 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		$138,400 (-0.07%)	$276,800 (-0.07%)
2025	$3,280.00 (+10.81%)	$138,500 (-1.49%)	$277,000 (-1.49%)
2023		$140,600	$281,200
2022	$2,960.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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