Ottawa County property record for 618 Winter St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,160 sqft · built 1956 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $153,000 (Sep 2016) |
| Tax Bill | $3,865 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-105-004 |
| Primary APN | 70-03-23-105-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Basement Area | 1,160 sqft |
| Unfinished Basement | 1,160 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 618 WINTER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOT 15 ALLEN SUB |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 23 |
| Legal Subdivision | ALLEN SUB |
| Legal Block | 105 |
| Legal Lot Number | 15 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 21100 |
618 Winter St is owned and occupied by an individual who bought it in September 2016.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 618 WINTER ST, SPRING LAKE, MI 49456-1967 |
| 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.
| Date | Document |
|---|---|
| Apr 1, 2024 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Apr 14, 2022 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Nov 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2016 · Amount on File |
| Deed Sale | Sep 26, 2016 · Amount on File |
| Prior Sale | Oct 12, 2010 |
| Deed Document Number | 201635654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 618 WINTER ST, SPRING LAKE, MI 49456-1967 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 618 WINTER ST, SPRING LAKE, MI 49456-1967 |
| Document Number | 20240007382 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 2024-0007382 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 618 WINTER ST, SPRING LAKE, MI 49456-1967 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 618 WINTER ST, SPRING LAKE, MI 49456-1967 |
| Document Number | 20220014144 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 2022-0014144 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | SPRING LAKE, MI 49456 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 15, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 618 WINTER ST, SPRING LAKE, MI 49456-1967 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20200051708 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 2020-0051708 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 618 Winter St was $3,865 with a homeowner's exemption.
Source: Ottawa County assessment roll, as of October 12, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $138,800 | $277,600 | |
| 2025 | $3,865.00 | ||
| 2023 | $113,000 | $226,000 | |
| 2022 | $3,324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 618 Winter St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1986.
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 | 3 in force |
| Nearby Flood Claims | 5 (1986–2020) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| Claims by Event |
|
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 risk around 618 Winter 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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