555 Ferry St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 555 Ferry St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,666 sqft · built 1927
Lot Size	0.417 acres (18,165 sqft)
Owner	2 Individual Names on File
Last Sale	$179,500 (Oct 2018)
Tax Bill	$2,515 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-16-252-008`

Property Details

APN / Parcel Number

Primary APN	`70-03-16-252-008`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,666 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	18,165 sqft (0.417 acres)
Lot Dimensions	110 ft deep x 165 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	555 FERRY ST
City	SPRING LAKE
State	MI
Zip	49456-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG 2
Legal Description	LOTS 106, 107 & 108 FERRY HEIGHTS SUB
Legal Range	15W
Legal Township	5N
Legal Section	16
Legal Subdivision	FERRY HEIGHTS
Legal Block	252
Legal Lot Number	106-108
Jurisdiction	OTTAWA MI
Township / Civil Division	FERRYSBURG
Census Block Group	3
Census Block	3022
Census Tract	20600

Owner

555 Ferry St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	555 FERRY ST, SPRING LAKE, MI 49456-1212
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
Sep 4, 2020	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Oct 11, 2018	Warranty Deed, Transfer · Conventional Mortgage PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TITLE AGEN
Oct 11, 2018	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2018 · Amount on File
Deed Sale	Oct 11, 2018 · Amount on File
Deed Document Number	201836441
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	555 FERRY ST, SPRING LAKE, MI 49456-1212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200038037
Date	Sep 4, 2020
Instrument	2020-0038037

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 11, 2018
Property Address	555 FERRY ST, SPRING LAKE, MI 49456-1212
Document Number	20180036441
Map Reference	LB7 PG46
Instrument Date	Oct 5, 2018
Instrument	2018-0036441
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TITLE AGEN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,543.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	555 FERRY ST, 555, SPRING LAKE, MI 49456-1212

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	555 FERRY ST, SPRING LAKE, MI 49456-1212

Mortgage

Document Number	20180036442
Date	Oct 11, 2018
Instrument	2018-0036442

Lender

Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 11, 2018
Property Address	555 FERRY ST, SPRING LAKE, MI 49456-1212
Document Number	20180036441
Map Reference	LB 7 PG 46
Instrument Date	Oct 5, 2018
Instrument	2018-0036441
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TITLE AGEN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,543.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	555 FERRY ST, 555, SPRING LAKE, MI 49456-1212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 FERRY ST, SPRING LAKE, MI 49456-1212

Mortgage

Document Number	20180036442
Date	Oct 11, 2018
Instrument	2018-0036442

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 555 Ferry St was $2,515 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		$130,000	$260,000
2025	$2,515.00
2023		$132,500	$265,000
2022	$2,500.00

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

Flood

FEMA maps place 555 Ferry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1986–2026)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2026 · rainfall accumulation

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 555 Ferry 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	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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ferry St

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