554 3rd, Spring Lake, MI 49456 Property Records

Ottawa County property record for 554 3rd, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,564 sqft · built 1981
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on File
Last Sale	$125,500 (Mar 2003)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-179-024`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-179-024`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,564 sqft Living Area
1st Floor Area	782 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	12,937 sqft (0.297 acres)
Lot Dimensions	128 ft deep x 101 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	554 3RD
City	SPRING LAKE
State	MI
Zip	49456-9201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 2
Legal Description	PART OF LOTS 3,4 & 5 BLK 6 COM NE COR LOT 3, TH S 16085 FT TO N'LY LI OF OLD GRAND HAVEN RD, TH NW'LY 11153 FT ALG A 38665 FT RAD CURVE TO RT (CHD BEARS N 52D 12M 23S W 11114 FT), TH N 43D 26M 28S E 12773 FT TO BEG SCOFIELD & VERMYLE'S ADD
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	SCOFIELD & VERMYLES ADD
Legal Block	6
Legal Lot Number	3-5
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	2
Census Block	2002
Census Tract	20600

Owner

554 3rd is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	554 3RD, SPRING LAKE, MI 49456-9201
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · Line of Credit MACATAWA BANK
Mar 5, 2021	Intrafamily Transfer, Transfer
Aug 22, 2019	Deed of Trust, Mortgage · ARM MACATAWA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2003 · Amount on File
Deed Sale	Mar 14, 2003 · Amount on File
Deed Book / Page	3918 / 48
Last Transfer Date	Jan 21, 2021
Transfer Doc	20210012284
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	554 3RD, SPRING LAKE, MI 49456-9201
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 3RD 556, 556, SPRING LAKE, MI 49456-9201

Mortgage

Document Number	20220025389
Date	Jul 12, 2022
Instrument	2022-0025389

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Mar 5, 2021
Property Address	554 3RD, SPRING LAKE, MI 49456-9201
Document Number	20210012284
Instrument Date	Jan 21, 2021
Instrument	2021-0012284
Transaction Type	Transfer
Record Updated	Aug 19, 2021

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
Relationship	Joint Tenants with Right of Survivorship
Address	554 3RD, SPRING LAKE, MI 49456-9201

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	554 3RD, SPRING LAKE, MI 49456-9201
Transaction Type	Mortgage
Record Updated	Sep 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190029226
Date	Aug 22, 2019
Instrument	2019-0029226

Lender

Name	MACATAWA BANK
Type	Bank
Address	HOLLAND, MI 49424

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 554 3rd was $2,178 with a homeowner's exemption.

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		$132,600 (+12.66%)	$265,200 (+12.66%)
2025	$2,178.00 Homeowner's exemption	$117,700	$235,400
2023		$95,200	$190,400
2022	$2,165.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 554 3rd 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

Wildfire risk around 554 3rd 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	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 48 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 3rd

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