712 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 712 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,052 sqft · built 1953
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$366,000 (Sep 2026)
Tax Bill	$2,582 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-102-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-102-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,052 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Unfinished Basement	1,052 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	712 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 40 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	102
Legal Lot Number	40
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	712 RIVER ST, SPRING LAKE, MI 49456-1951
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY SHORES BANK
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SHORES BANK
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SHORES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Mar 7, 2016
Deed Document Number	202628762
Prior Transfer Date	Sep 20, 2011
Prior Transfer Doc	20130032870
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Sep 15, 2026
Property Address	712 RIVER ST, SPRING LAKE, MI 49456-1951
Document Number	0000028762
Instrument Date	Sep 15, 2026
Instrument	202628762
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$317,907.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	712 RIVER ST, SPRING LAKE, MI 49456-1951

Mortgage

Document Number	0000028763,
Date	Sep 15, 2026
Instrument	202628763

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	712 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 RIVER ST, SPRING LAKE, MI 49456-1951

Mortgage

Document Number	20210052622
Date	Oct 21, 2021
Instrument	2021-0052622

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	712 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	20170017039
Date	May 12, 2017
Instrument	2017-0017039

Lender

Name	COMMUNITY SHORES BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	712 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	20190035550
Date	Oct 2, 2019
Instrument	2019-0035550

Lender

Name	COMMUNITY SHORES BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	712 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	20200044108
Date	Oct 7, 2020
Instrument	2020-0044108

Lender

Name	COMMUNITY SHORES BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$117,900 (+21.92%)	$235,800 (+21.92%)
2025	$2,582.00 (+16.25%)
2023		$96,700	$193,400
2022	$2,221.00

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

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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