Ottawa County property record for 718 Winter St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,754 sqft · built 1953 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Apr 2018) |
| Tax Bill | $5,968 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Feb 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-106-004 |
| Primary APN | 70-03-23-106-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,754 sqft Living Area |
| 1st Floor Area | 1,754 sqft |
| Basement Area | 1,288 sqft |
| Unfinished Basement | 1,288 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 718 WINTER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOTS 100 & 101 EVERGREEN PARK SUB |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 23 |
| Legal Subdivision | EVERGREEN PARK SUB |
| Legal Block | 106 |
| Legal Lot Number | 100-101 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 21100 |
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 | 718 WINTER ST, SPRING LAKE, MI 49456-1969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2023 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Feb 28, 2022 | Warranty Deed, Transfer · VA Mortgage LAKE MICHIGAN CU |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DOUGLAS ETAL |
| Apr 16, 2018 | Warranty Deed, Transfer · ARM HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on Record |
| Deed Sale | Apr 16, 2018 · Amount on Record |
| Prior Sale | Sep 4, 2015 · Amount on Record |
| Deed Document Number | 201813047 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 718 WINTER ST, SPRING LAKE, MI 49456-1969 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 718 WINTER ST, SPRING LAKE, MI 49456-1969 |
| Document Number | 20230007554 |
|---|---|
| Date | Apr 3, 2023 |
| Instrument | 2023-0007554 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 15, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Feb 28, 2022 |
| Property Address | 718 WINTER ST, SPRING LAKE, MI 49456-1969 |
| Document Number | 20220007853 |
| Map Reference | LB 10 PG 11 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022-0007853 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,812.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 718 WINTER ST, 718, SPRING LAKE, MI 49456-1969 |
| Name | Verified Name |
|---|---|
| Address | 1010 MARION AVE, GRAND HAVEN, MI 49417-2231 |
| Document Number | 20220007854 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 2022-0007854 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 718 WINTER ST, SPRING LAKE, MI 49456-1969 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210021900 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021-0021900 |
| Name | DOUGLAS ETAL |
|---|---|
| Type | Private Party |
| Address | 2564 WINDING RIDGE TRL NE, ROCKFORD, MI 49341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 19, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 16, 2018 |
| Property Address | 718 WINTER ST, SPRING LAKE, MI 49456-1969 |
| Document Number | 20180013047 |
| Map Reference | LB10 PG11 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 2018-0013047 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,193.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 718 WINTER ST, 718, SPRING LAKE, MI 49456-1969 |
| Name | Verified Name |
|---|---|
| Address | 14767 SHADOWWOOD CT, GRAND HAVEN, MI 49417-7614 |
| Document Number | 20180013048 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | 2018-0013048 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | May 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
Source: Ottawa County assessment roll, as of October 12, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $171,900 (+22.7%) | $343,800 (+22.7%) | |
| 2025 | $5,968.00 (+33.18%) | ||
| 2023 | $140,100 | $280,200 | |
| 2022 | $4,481.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 5 (1986–2020) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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