Ottawa County property record for 526 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,813 sqft · built 1875 |
| Lot Size | 0.735 acres (32,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Apr 2025) |
| Tax Bill | $16,540 (2025) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-22-230-004 |
| Primary APN | 70-03-22-230-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 3,813 sqft Living Area |
| 1st Floor Area | 1,923 sqft |
| Basement Area | 488 sqft |
| Unfinished Basement | 488 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Bungalow |
| Lot Area | 32,017 sqft (0.735 acres) |
| Lot Dimensions | 250 ft deep x 128 ft wide |
| Garage Area | 725 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 526 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 | N 250 FT OF LOT 11 CHRISTMAN'S ADD TO THE VILLAGE OF SPRING LAKE EXC THE N 19321 FT OF THE E 205 FT THEREOF |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 22 |
| Legal Subdivision | CHRISTMANS ADD |
| Legal Block | 230 |
| Legal Lot Number | 11 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21100 |
526 River St is owned and occupied by two individuals who bought it in April 2025.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 526 RIVER ST, SPRING LAKE, MI 49456-1908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2025 · Amount on File |
| Deed Sale | Apr 15, 2025 · Amount on File |
| Prior Sale | Apr 6, 2020 · Amount on File |
| Deed Document Number | 20259226 |
| Prior Transfer Date | Aug 10, 2011 |
| Prior Transfer Doc | 20110028417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 6, 2020 |
| Property Address | 526 RIVER ST, SPRING LAKE, MI 49456-1908 |
| Document Number | 20200013155 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 2020-0013155 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 526 RIVER ST, SPRING LAKE, MI 49456-1908 |
| Name | Verified Name |
|---|---|
| Address | 526 RIVER ST, SPRING LAKE, MI 49456-1908 |
| Document Number | 20200013156 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 2020-0013156 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 526 River St was $16,540 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $469,100 (+8.74%) | $938,200 (+8.74%) | |
| 2025 | $16,540.00 Homeowner's exemption | $431,400 | $862,800 |
| 2023 | $378,900 | $757,800 | |
| 2022 | $14,227.00 |
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.
FEMA maps place 526 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 risk around 526 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.
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 |
| 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.
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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