528 5th St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 528 5th St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,519 sqft · built 1922
Lot Size	0.217 acres (9,453 sqft)
Owner	Individual Name on Record
Tax Bill	$1,751 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-176-007`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-176-007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,519 sqft Living Area
1st Floor Area	868 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	9,453 sqft (0.217 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	528 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 SE 1/4 OF NW 1/4 SEC 16 T8N R16W & PT OF LOTS 10 & 11 BLK 5, COM AT INTERSECTION OF N LI 5TH ST & E LI 174TH AVE, TH E ALG N LI 5TH ST 66 FT TO A PT ON S LI LOT 11, 97 FT E OF SW COR, TH N'LY 132 FT TO A PT ON N LI LOT 10, 139 FT E OF NW COR, T
Legal Range	16W
Legal Township	08N
Legal Section	16
Legal Subdivision	SCOFIELD & VERMYLES ADD TO VIL
Legal Block	5
Legal Lot Number	9-11,13
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2000
Census Tract	20600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 71, FERRYSBURG, MI 49409-0071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Jan 31, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage INDEPENDENT BANK
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 26, 2024
Transfer Doc	20240002394
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	528 5TH ST, SPRING LAKE, MI 49456-9200
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 5TH STREET, FERRYSBURG, MI 49409

Mortgage

Document Number	20240005604
Date	Mar 12, 2024
Instrument	2024-0005604

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jan 31, 2024
Property Address	528 5TH ST, SPRING LAKE, MI 49456-9200
Document Number	20240002394
Instrument Date	Jan 26, 2024
Instrument	2024-0002394
Transaction Type	Transfer
Record Updated	Feb 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 71, FERRYSBURG, MI 49409-0071

Mortgage

Document Number	20240002395
Date	Jan 31, 2024
Instrument	2024-0002395

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2039

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	528 5TH ST, SPRING LAKE, MI 49456-9200
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 5TH ST, FERRYSBURG, MI 49409

Mortgage

Document Number	20220006098
Date	Feb 15, 2022
Instrument	2022-0006098

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$119,700 (-3.7%)	$239,400 (-3.7%)
2025	$1,751.00 (+0.57%)
2023		$124,300	$248,600
2022	$1,741.00

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	Direct burnable vegetation

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 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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