708 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 708 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1954
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$2,747 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-102-002`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-102-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	708 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 39 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	102
Legal Lot Number	39
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2000
Census Tract	21100

Owner

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	708 RIVER ST, SPRING LAKE, MI 49456-1951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Jan 4, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO
May 28, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2014
Deed Sale	Sep 26, 2014
Deed Document Number	201433438
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	708 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 RIVER ST, SPRING LAKE, MI 49456-1951

Mortgage

Document Number	20240006139
Date	Mar 18, 2024
Instrument	2024-0006139

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	708 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 RIVER ST, SPRING LAKE, MI 49456-1951

Mortgage

Document Number	20210054068
Date	Oct 29, 2021
Instrument	2021-0054068

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	708 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170000473
Date	Jan 4, 2017
Instrument	2017-0000473

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	708 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200006150
Date	Feb 18, 2020
Instrument	2020-0006150

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	708 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190017105
Date	May 28, 2019
Instrument	2019-0017105

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$117,100 (+21.47%)	$234,200 (+21.47%)
2025	$2,747.00 (+16.25%)
2023		$96,400	$192,800
2022	$2,363.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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

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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