Ottawa County property record for 623 Winter St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,002 sqft · built 1955 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,825 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-103-014 |
| Primary APN | 70-03-23-103-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,002 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| Basement Area | 1,002 sqft |
| Unfinished Basement | 1,002 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 623 WINTER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOT 30 EVERGREEN PARK SUB |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 23 |
| Legal Subdivision | EVERGREEN PARK SUB |
| Legal Block | 103 |
| Legal Lot Number | 30 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 21100 |
623 Winter St is owned and occupied by an individual who acquired it in June 2017.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
| 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 |
|---|---|
| Oct 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Oct 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MMS MORTGAGE SERVICES LTD |
| Oct 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage MMS MORTGAGE SERVICES LTD |
| Jul 27, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 27, 2017 |
| Transfer Doc | 20170027648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
| Document Number | 20220035712 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 2022-0035712 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | TRANSNATION TTL AGCY OF MI L |
| Name | Verified Name |
|---|
| Document Number | 20190037895 |
|---|---|
| Date | Oct 17, 2019 |
| Instrument | 2019-0037895 |
| Name | MMS MORTGAGE SERVICES LTD |
|---|---|
| Type | Mortgage Company |
| Address | FARMINGTON, MI 48331 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Oct 14, 2019 |
| Property Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
| Document Number | 20190037270 |
| Map Reference | LB 10 PG 11 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 2019-0037270 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16501 WICKSHIRE PL, 16501, SPRING LAKE, MI 49456-9807 |
| Name | Verified Name |
|---|---|
| Address | 2085 SIMONELLI RD, MUSKEGON, MI 49445-8603 |
| Document Number | 20190037271 |
|---|---|
| Date | Oct 14, 2019 |
| Instrument | 2019-0037271 |
| Name | MMS MORTGAGE SERVICES LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 27, 2017 |
| Property Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
| Document Number | 20170027648 |
| Map Reference | LB10 PG11 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 2017-0027648 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 623 WINTER ST, SPRING LAKE, MI 49456-1966 |
The 2025 property tax bill for 623 Winter St was $3,825 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 | $126,400 (-2.69%) | $252,800 (-2.69%) | |
| 2025 | $3,825.00 Homeowner's exemption | $129,900 | $259,800 |
| 2023 | $107,100 | $214,200 | |
| 2022 | $3,290.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 623 Winter St in Zone X, an area of minimal flood risk, though there have been 4 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 |
| Flood Insurance Cost | Premium on File 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 risk around 623 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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