614 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 614 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1963
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Aug 2025)
Tax Bill	$2,479 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Oct 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-101-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-101-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	614 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 3 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	101
Legal Lot Number	3
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2001
Census Tract	21100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	614 RIVER ST, SPRING LAKE, MI 49456-2412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Jan 26, 2018	Intrafamily Transfer, Transfer
Jun 21, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Jul 1, 2011 · Amount on Record
Deed Document Number	202523139
Prior Transfer Date	Jun 3, 2025
Prior Transfer Doc	20250016472
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	614 RIVER ST, SPRING LAKE, MI 49456-2412
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190035018
Date	Oct 1, 2018
Instrument	2019-0035018

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	614 RIVER ST, SPRING LAKE, MI 49456-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180035018
Date	Oct 1, 2018
Instrument	2018-0035018

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jan 26, 2018
Property Address	614 RIVER ST, SPRING LAKE, MI 49456-2412
Document Number	20180003076
Map Reference	LB10 PG11
Instrument Date	Dec 27, 2017
Instrument	2018-0003076
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	614 RIVER ST, SPRING LAKE, MI 49456-2412
Investor	Possibly a Property Investor

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jun 21, 2017
Property Address	614 RIVER ST, SPRING LAKE, MI 49456-2412
Document Number	20170022339
Map Reference	LB10 PG11
Instrument Date	Jun 1, 2017
Instrument	2017-0022339
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
Address	614 RIVER ST, SPRING LAKE, MI 49456-2412

Mortgage

Document Number	20170022340
Date	Jun 21, 2017
Instrument	2017-0022340

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$106,300 (-0.93%)	$212,600 (-0.93%)
2025	$2,479.00 (+16.22%) Homeowner's exemption	$107,300 (+19.35%)	$214,600 (+19.35%)
2023		$89,900	$179,800
2022	$2,133.00

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.

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
Flood Insurance Cost	Premium on Record 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

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	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

Violations Reported to EPA

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.

Internet Providers

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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