700 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 700 River St, Spring Lake, MI 49456 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1959
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Sep 2021)
Tax Bill	$5,166 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-102-001`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-102-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	700 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 37 & 38 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	102
Legal Lot Number	37-38
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2000
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-23-102-001

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	Individual Name on File
Mailing Address	700 RIVER ST, SPRING LAKE, MI 49456-1951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
May 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	202147415
Prior Transfer Date	Sep 13, 2021
Prior Transfer Doc	20210047415
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Recording Date	Jun 26, 2026
Property Address	700 RIVER ST, SPRING LAKE, MI 49456-1951
Document Number	0000019248
Instrument Date	Jun 22, 2026
Instrument	202619248
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 RIVER ST, SPRING LAKE, MI 49456-1951

Mortgage

Document Number	0000019248,
Date	Jun 26, 2026
Instrument	202619248

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 01, 2031

Interest

Rate	6.51%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 20, 2021
Property Address	700 RIVER ST, SPRING LAKE, MI 49456-1951
Document Number	20210047415
Map Reference	LB 10 PG 11
Instrument Date	Sep 13, 2021
Instrument	2021-0047415
Transaction Type	Transfer
Record Updated	Oct 06, 2021
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15117 MITCHELL ST, 15117, GRAND HAVEN, MI 49417-9404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15207 KELLY ST, SPRING LAKE, MI 49456-1539

Mortgage

Document Number	20210047416
Date	Sep 20, 2021
Instrument	2021-0047416

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2041

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	May 28, 2021
Property Address	700 RIVER ST, SPRING LAKE, MI 49456-1951
Document Number	20210028413
Instrument Date	Oct 04, 2013
Instrument	2021-0028413
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 RIVER ST, 700, SPRING LAKE, MI 49456-1951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18006 HAMMOND BAY ST, SPRING LAKE, MI 49456-1564

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

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		$147,500 (-1.14%)	$295,000 (-1.14%)
2025	$5,166.00 (+16.25%) Homeowner's exemption	$149,200 (+22.9%)	$298,400 (+22.9%)
2023		$121,400	$242,800
2022	$4,444.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), updated October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261390211002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
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

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 201 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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