521 Pine St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 521 Pine St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,424 sqft · built 1937
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Nov 2015)
Tax Bill	$2,167 (2025)
Deeds & Mortgages	May 2026 Transfer Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-254-030`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-254-030`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	236 ft deep x 115 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	521 PINE ST
City	SPRING LAKE
State	MI
Zip	49456-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CORECOM
Legal Description	LOTS 6 & 46 FERRY HEIGHTS SUB
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	FERRY HEIGHTS
Legal Block	254
Legal Lot Number	6,46
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2006
Census Tract	20600

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	521 PINE ST, SPRING LAKE, MI 49456-2621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2015 · Amount on Record
Deed Sale	Nov 5, 2015 · Amount on Record
Prior Sale	Aug 22, 2008 · Amount on Record
Deed Document Number	201543053
Prior Transfer Date	Nov 8, 2007
Prior Transfer Doc	5552/798
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	May 22, 2026
Property Address	521 PINE ST, SPRING LAKE, MI 49456-2621
Document Number	20260015206
Instrument Date	May 4, 2026
Instrument	202615206
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 PINE ST, SPRING LAKE, MI 49456-2621
Investor	Possibly a Property Investor

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	521 PINE ST, SPRING LAKE, MI 49456-2621
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 PINE ST, SPRING LAKE, MI 49456-2621
Investor	Possibly a Property Investor

Mortgage

Document Number	20250034559
Date	Dec 5, 2025
Instrument	2025-0034559

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	10.7%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	521 PINE ST, SPRING LAKE, MI 49456-2621
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 PINE ST, SPRING LAKE, MI 49456-2621

Mortgage

Document Number	20210040506
Date	Aug 9, 2021
Instrument	2021-0040506

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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		$118,600 (+0.25%)	$237,200 (+0.25%)
2025	$2,167.00 (+0.6%) Homeowner's exemption	$118,300 (-3.51%)	$236,600 (-3.51%)
2023		$122,600	$245,200
2022	$2,154.00

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 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

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

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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