Ottawa County property record for 620 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 792 sqft · built 1947 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-101-006 |
| Primary APN | 70-03-23-101-006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 792 sqft Living Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 620 RIVER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOT 6 EVERGREEN PARK SUB |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 23 |
| Legal Subdivision | EVERGREEN PARK SUB |
| Legal Block | 101 |
| Legal Lot Number | 6 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 21100 |
Source: Ottawa County assessment roll, APN 70-03-23-101-006, as of July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 620 RIVER ST, SPRING LAKE, MI 49456-1949 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Nov 14, 2016 |
| Transfer Doc | 20160044591 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jun 19, 2026 |
| Property Address | 620 RIVER ST, SPRING LAKE, MI 49456-1949 |
| Document Number | 0000018417 |
| Instrument Date | May 22, 2026 |
| Instrument | 202618417 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Address | 620 RIVER ST, SPRING LAKE, MI 49456-1949 |
| Document Number | 0000018417, |
|---|---|
| Date | Jun 19, 2026 |
| Instrument | 202618417 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
Source: Ottawa County assessment roll as of July 21, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $102,300 (-2.29%) | $204,600 (-2.29%) | |
| 2025 | $2,328.00 (+16.28%) Homeowner's exemption | $104,700 (+19.38%) | $209,400 (+19.38%) |
| 2023 | $87,700 | $175,400 | |
| 2022 | $2,002.00 |
Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), as of October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261390211002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, 369 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Xfinity.
Source: EPA Safe Drinking Water Information System, water system MI0006235, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRING LAKE TOWNSHIP serves 9,393 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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