Ottawa County property record for 640 Edgewater Dr, Spring Lake, MI 49456
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,040 sqft · built 1986 |
| Lot Size | 3.09 acres (134,731 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Apr 2018) |
| Tax Bill | $6,728 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-110-012 |
| Primary APN | 70-03-23-110-012 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 984 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Condo/Apartment |
| Lot Area | 134,731 sqft |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 640 EDGEWATER DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-2172 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | MFR-A |
| Legal Description | UNIT 12 EDGEWATER PLACE CONDOMINIUM, MASTER DEED RECORDED IN OTTAWA COUNTY REGISTER OF DEEDS LIBER 1107 PAGES 198-250 CONDOMINIUM SUBDIVISION PLAN NO 87 SEC 23 T8N R16W |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 23 |
| Legal Subdivision | CONDOMINIUM SUBD |
| Legal Block | 110 |
| Legal Unit | 12 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 21100 |
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 | 640 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Oct 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Apr 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2018 · Amount on Record |
| Deed Sale | Apr 20, 2018 · Amount on Record |
| Prior Sale | Sep 8, 2016 |
| Deed Document Number | 201813683 |
| Prior Transfer Date | Aug 20, 2007 |
| Prior Transfer Doc | 5492/916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 640 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20190041705 |
|---|---|
| Date | Nov 11, 2019 |
| Instrument | 2019-0041705 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Dec 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 640 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2018 |
| Name | Verified Name |
|---|
| Document Number | 20180038632 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 2018-0038632 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Nov 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 20, 2018 |
| Property Address | 640 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Document Number | 20180013683 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 2018-0013683 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 EDGEWATER DR, 640, SPRING LAKE, MI 49456-2172 |
| Name | Verified Name |
|---|---|
| Address | 216 RIVER ST, SPRING LAKE, MI 49456-2053 |
| Document Number | 20180013684 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 2018-0013684 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
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 | $211,300 (+10.74%) | $422,600 (+10.74%) | |
| 2025 | $6,728.00 (+17.62%) Homeowner's exemption | $190,800 (+7.37%) | $381,600 (+7.37%) |
| 2023 | $177,700 | $355,400 | |
| 2022 | $5,720.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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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