701 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 701 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1946
Lot Size	0.145 acres (6,316 sqft)
Owner	Individual Name on File
Last Sale	$339,900 (Jun 2025)
Tax Bill	$397 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-14-375-040`

Property Details

APN / Parcel Number

Primary APN	`70-03-14-375-040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,040 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	81 ft deep x 78 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	701 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	PART OF SW 1/4 OF SW 1/4 COM 707 FT E OF SW SEC COR, TH N 1145 FT, E 78 FT, S 1145 FT, W 78 FT TO BEG SEC 14 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	14
Legal Block	375
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3017
Census Tract	21100

Owner

701 River St is owned and occupied by an individual who bought it in June 2025.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	1921 N SEDGWICK ST, 1F, CHICAGO, IL 60614-5434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Warranty Deed, Transfer · Conventional Mortgage THE DART BANK
Feb 15, 2022	Warranty Deed, Transfer · Conventional Mortgage APPROVED MORTGAGE BANKER INC
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
May 24, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SHORES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2025 · Amount on File
Deed Sale	Jun 24, 2025 · Amount on File
Prior Sale	Apr 30, 2024 · Amount on File
Deed Document Number	202516368
Prior Transfer Date	Nov 22, 2004
Prior Transfer Doc	4714000738
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 30, 2024
Property Address	701 RIVER ST, SPRING LAKE, MI 49456-1950
Document Number	20240010337
Instrument Date	Apr 29, 2024
Instrument	2024-0010337
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 RIVER ST, SPRING LAKE, MI 49456-1950

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	701 RIVER ST, SPRING LAKE, MI 49456-1950

Mortgage

Document Number	20240010338
Date	Apr 30, 2024
Instrument	2024-0010338

Lender

Name	THE DART BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Feb 15, 2022
Property Address	701 RIVER ST, SPRING LAKE, MI 49456-1950
Document Number	20220006169
Instrument Date	Feb 14, 2022
Instrument	2022-0006169
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 RIVER ST, 701, SPRING LAKE, MI 49456-1950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 RIVER ST, SPRING LAKE, MI 49456-1950

Mortgage

Document Number	20220006170
Date	Feb 15, 2022
Instrument	2022-0006170

Lender

Name	APPROVED MORTGAGE BANKER INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	701 RIVER ST, SPRING LAKE, MI 49456-1950
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210022660
Date	Apr 27, 2021
Instrument	2021-0022660

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 24, 2019
Property Address	701 RIVER ST, SPRING LAKE, MI 49456-1950
Document Number	20190017020
Instrument Date	May 21, 2019
Instrument	2019-0017020
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 E 20TH ST, 129, HOLLAND, MI 49423-4803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 RIVER ST, SPRING LAKE, MI 49456-1950

Mortgage

Document Number	20190017021
Date	May 24, 2019
Instrument	2019-0017021

Lender

Name	COMMUNITY SHORES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 701 River St was $397 with a homeowner's exemption.

Source: Ottawa County assessment roll, as of October 12, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$135,100	$270,200
2025	$397.00
2023		$95,800	$191,600
2022	$2,397.00

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.

Flood

FEMA maps place 701 River St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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
Nearby Flood Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · rainfall accumulation

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

Wildfire risk around 701 River 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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