522 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 522 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,291 sqft · built 1928
Lot Size	0.884 acres (38,507 sqft)
Owner	2 Individual Names on File
Last Sale	$1,345,000 (Sep 2026)
Tax Bill	$17,536 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-22-230-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-22-230-003`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	5,291 sqft Living Area
1st Floor Area	2,396 sqft
Basement Area	2,208 sqft
Unfinished Basement	2,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bungalow
Lot Area	38,507 sqft (0.884 acres)
Lot Dimensions	250 ft deep x 154 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	522 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	E 154 FT OF N 283 FT OF E 16 RDS OF W 1/2 OF NE 1/4 OF NE 1/4 OF NE 1/4 SEC 22 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	22
Legal Block	230
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2002
Census Tract	21100

Owner

522 River St is owned and occupied by two individuals who bought it in September 2026.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	522 RIVER ST, SPRING LAKE, MI 49456-1908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Aug 6, 2019	Intrafamily Transfer, Transfer · Construction Mortgage HORIZON BANK
Dec 11, 2018	Intrafamily Transfer, Transfer SURE TITLE AGENCY, SUN TITLE AGENCY
Oct 2, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Oct 2, 2017 · Amount on File
Deed Document Number	202628387
Prior Transfer Date	Jul 31, 2019
Prior Transfer Doc	20190026651
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 11, 2026
Property Address	522 RIVER ST, SPRING LAKE, MI 49456-1908
Document Number	0000028387
Instrument Date	Sep 4, 2026
Instrument	202628387
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,168,267.00
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	522 RIVER ST, SPRING LAKE, MI 49456-1908

Mortgage

Document Number	0000028388,
Date	Sep 11, 2026
Instrument	202628388

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	522 RIVER ST, SPRING LAKE, MI 49456-1908
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 RIVER ST, SPRING LAKE, MI 49456-1908

Mortgage

Document Number	20220022030
Date	Jun 14, 2022
Instrument	2022-0022030

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Apr 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Aug 6, 2019
Property Address	522 RIVER ST, SPRING LAKE, MI 49456-1908
Document Number	20190026651
Instrument Date	Jul 31, 2019
Instrument	2019-0026651
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	SAFE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 EL POMAR DR, TEMPLETON, CA 93465

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	522 RIVER ST, SPRING LAKE, MI 49456-1908

Mortgage

Document Number	20190026652
Date	Aug 6, 2019
Instrument	2019-0026652

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 11, 2018
Property Address	522 RIVER ST, SPRING LAKE, MI 49456-1908
Document Number	20180043881
Instrument Date	Dec 4, 2018
Instrument	2018-0043881
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	SURE TITLE AGENCY, SUN TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 EL POMAR DR, TEMPLETON, CA 93465

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	125 EL POMAR DR, TEMPLETON, CA 93465

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 2, 2017
Property Address	522 RIVER ST, SPRING LAKE, MI 49456-1908
Document Number	20170036446
Instrument Date	Sep 26, 2017
Instrument	2017-0036446
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 RIVER ST, SPRING LAKE, MI 49456-1908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 EL POMAR DR, TEMPLETON, CA 93465

Mortgage

Document Number	20170036447
Date	Oct 2, 2017
Instrument	2017-0036447

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 522 River St was $17,536 with a homeowner's exemption.

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		$642,000 (+8.83%)	$1,284,000 (+8.83%)
2025	$17,536.00 Homeowner's exemption	$589,900	$1,179,800
2023		$513,200	$1,026,400
2022	$15,084.00

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

FEMA maps place 522 River St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (1986–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Apr 2020 · 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

Wildfire risk around 522 River 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	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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