616 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 616 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,254 sqft · built 1948
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$214,900 (Sep 2021)
Tax Bill	$5,040 (2025)
Deeds & Mortgages	Mar 2024 Transfer Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-101-004`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-101-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,254 sqft Living Area
1st Floor Area	1,254 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	616 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 4 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	101
Legal Lot Number	4
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	616 RIVER ST, SPRING LAKE, MI 49456-2412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Intrafamily Transfer, Transfer
Sep 28, 2021	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 12, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Prior Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	202148717
Last Transfer Date	Jan 16, 2024
Transfer Doc	20240004940
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Mar 4, 2024
Property Address	616 RIVER ST, SPRING LAKE, MI 49456-2412
Document Number	20240004940
Map Reference	LB 10 PG 11
Instrument Date	Feb 19, 2024
Instrument	2024-0004940
Transaction Type	Transfer
Record Updated	Mar 20, 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	330 N MICHIGAN AVE, HOWELL, MI 48843-1504

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 28, 2021
Property Address	616 RIVER ST, SPRING LAKE, MI 49456-2412
Document Number	20210048717
Map Reference	LB 10 PG 11
Instrument Date	Sep 28, 2021
Instrument	2021-0048717
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 RIVER ST, 616, SPRING LAKE, MI 49456-2412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 RIVER ST, SPRING LAKE, MI 49456-2412

Mortgage

Document Number	20210048718
Date	Sep 28, 2021
Instrument	2021-0048718

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 12, 2019
Property Address	616 RIVER ST, SPRING LAKE, MI 49456-2412
Document Number	20190027436
Map Reference	LB 10 PG 11
Instrument Date	Aug 2, 2019
Instrument	2019-0027436
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,573.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 213, GRAND HAVEN, MI 49417-0213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1887 POLSON AVE, CLOVIS, CA 93611-6141

Mortgage

Document Number	20190027437
Date	Aug 12, 2019
Instrument	2019-0027437

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$147,900 (+17.94%)	$295,800 (+17.94%)
2025	$5,040.00 (+16.26%)
2023		$125,400	$250,800
2022	$4,335.00

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
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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