Ottawa County property record for 656 Edgewater Dr, Spring Lake, MI 49456 · Last verified July 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 896 sqft · built 1986 |
| Lot Size | 3.09 acres (134,747 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $329,800 (Nov 2020) |
| Tax Bill | $6,120 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-110-016 |
| Primary APN | 70-03-23-110-016 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 896 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Condo/Apartment |
| Lot Area | 134,747 sqft (3.09 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 656 EDGEWATER DR |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-2172 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 16 EDGEWATER PLACE CONDOMINIUM, MASTER DEED RECORDED IN OTTAWA COUNTY REGISTER OF DEEDS LIBER 1107 PAGES 198-250 |
| Legal Range | 16W |
| Legal Township | 08N |
| Legal Section | 23 |
| Legal Subdivision | CONDOMINIUM SUBD |
| Legal Block | 110 |
| Legal Unit | 16 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 21100 |
Source: Ottawa County records · APN 70-03-23-110-016
Assessment roll updated 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Nov 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Oct 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2020 · Amount on Record |
| Deed Sale | Nov 30, 2020 · Amount on Record |
| Prior Sale | Oct 20, 2017 |
| Deed Document Number | 202053802 |
| Last Transfer Date | Mar 06, 2025 |
| Transfer Doc | 20250005177 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Nov 30, 2020 |
| Property Address | 656 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Document Number | 20200053802 |
| Map Reference | LB 1107 PG 198 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 2020-0053802 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,475.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 656 EDGEWATER DR, 656, SPRING LAKE, MI 49456-2172 |
| Name | Verified Name |
|---|---|
| Address | 656 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Document Number | 20200053803 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 2020-0053803 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Oct 20, 2017 |
| Property Address | 656 EDGEWATER DR, SPRING LAKE, MI 49456-2172 |
| Document Number | 20170039170 |
| Map Reference | LB1107 PG198 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 2017-0039170 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Not Public Record |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 CRYSTAL CV, 507, TALLMADGE, OH 44278-3636 |
| Name | Verified Name |
|---|---|
| Address | 4716 OVERLAND TRL, MCHENRY, IL 60050-5477 |
| Investor | Possibly a Property Investor |
| Document Number | 20170039171 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 2017-0039171 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
Source: Ottawa County records · Assessment roll updated 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,500 (+10.28%) | $341,000 (+10.28%) | |
| 2025 | $6,120.00 (+21.82%) Homeowner's exemption | $154,600 (+6.04%) | $309,200 (+6.04%) |
| 2023 | $145,800 | $291,600 | |
| 2022 | $5,024.00 |
Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), updated October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261390211004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 3 of 3 on primary residences |
| Nearby Flood Claims | 5 (1986–2020) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | May 2020, rainfall accumulation |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
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