Ottawa County property record for 520 5th St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,324 sqft · built 1922 |
| Lot Size | 1.12 acres (48,831 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,468 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-16-176-003 |
| Primary APN | 70-03-16-176-003 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,324 sqft Living Area |
| 1st Floor Area | 1,764 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Lot Area | 48,831 sqft (1.12 acres) |
| Lot Dimensions | 740 ft deep x 66 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 520 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 11, BLK 5 & PT OF VAC BIRCH ST COM ON S LI LOT 11, 563 FT W OF SE COR, TH N'LY 7445 FT PAR WITH 174TH AVE TO A PT ON N LI LOT 1, 327 FT W OF NE COR, TH E 66 FT, TH S'LY 7445 FT PAR TO 174TH AVE TO N LI 5TH ST, TH W 66 FT TO BEG SCOFIE |
| Legal Range | 15W |
| Legal Township | 5N |
| Legal Section | 16 |
| Legal Subdivision | SCOFIELD & VERMYLES ADDITION |
| Legal Block | 5 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20600 |
520 5th St is owned and occupied by an individual who acquired it in May 2009.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 520 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 28, 2009 |
| Transfer Doc | 20090024370 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 520 5th St was $2,468 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Ottawa County |
| Municipality | Ferrysburg City |
| Unified School District | Grand Haven Area Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $168,000 (+0.66%) | $336,000 (+0.66%) | |
| 2025 | $2,468.00 Homeowner's exemption | $166,900 | $333,800 |
| 2023 | $172,900 | $345,800 | |
| 2022 | $2,453.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 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 risk around 520 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.
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 |
| 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.
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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