Ottawa County property record for 524 5th St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,112 sqft · built 1915 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,798 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-16-176-008 |
| Primary APN | 70-03-16-176-008 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,112 sqft Living Area |
| 1st Floor Area | 1,690 sqft |
| Basement Area | 845 sqft |
| Unfinished Basement | 845 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 524 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 10 & 11 BLK 5 COM ON S LI LOT 11, 97 FT E OF SW COR LOT 11, TH E 66 FT, TH N'LY 132 FT TO A PT ON N LI LOT 10, 799 FT E OF NW COR, TH W 66 FT, S 132 FT TO BEG SCOFIELD & VERMYLE'S ADD TO VILLAGE OF FERRYSBURG |
| Legal Range | 15W |
| Legal Township | 5N |
| Legal Section | 16 |
| Legal Subdivision | SCOFIELD & VERMYLES ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 9-11,79 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | FERRYSBURG |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20600 |
524 5th St is owned and occupied by an individual who acquired it in May 2010.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 524 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 Sale | May 6, 2010 |
| Deed Sale | May 6, 2010 |
| Deed Document Number | 201017473 |
| Prior Transfer Date | Oct 23, 2008 |
| Prior Transfer Doc | 5744/614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 524 5TH ST, SPRING LAKE, MI 49456-9200 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210028862 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 2021-0028862 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2036 |
The 2025 property tax bill for 524 5th St was $1,798 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 | $127,500 (+0.55%) | $255,000 (+0.55%) | |
| 2025 | $1,798.00 Homeowner's exemption | $126,800 | $253,600 |
| 2023 | $132,300 | $264,600 | |
| 2022 | $1,787.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 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 524 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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