Ottawa County property record for 720 River St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,120 sqft · built 1950 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Nov 2023) |
| Tax Bill | $5,630 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Nov 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-102-005 |
| Primary APN | 70-03-23-102-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,004 sqft |
| Unfinished Basement | 1,004 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 720 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 42 EVERGREEN PARK SUB |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 23 |
| Legal Subdivision | EVERGREEN PARK SUB |
| Legal Block | 102 |
| Legal Lot Number | 42 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 21100 |
Source: Ottawa County records · APN 70-03-23-102-005
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 | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Nov 09, 2023 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Jun 28, 2018 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 09, 2023 · Amount on Record |
| Deed Sale | Nov 09, 2023 · Amount on Record |
| Prior Sale | Oct 05, 2005 |
| Deed Document Number | 202328878 |
| Last Transfer Date | Jul 31, 2024 |
| Transfer Doc | 0000019935 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Document Number | 20260006978 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 2026-0006978 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Nov 09, 2023 |
| Property Address | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Document Number | 20230028878 |
| Map Reference | LB 10 PG 11 |
| Instrument Date | Nov 03, 2023 |
| Instrument | 2023-0028878 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2023 |
| Title Company | SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 209 REX ST, SPRING LAKE, MI 49456-1618 |
| Document Number | 20230028879 |
|---|---|
| Date | Nov 09, 2023 |
| Instrument | 2023-0028879 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2022 |
| Name | Verified Name |
|---|---|
| Address | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Document Number | 20220002469 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 2022-0002469 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 720 RIVER ST, SPRING LAKE, MI 49456-1951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20180022694 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018-0022694 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 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) |
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 | $170,600 (+16.05%) | $341,200 (+16.05%) | |
| 2025 | $5,630.00 (+85.38%) Homeowner's exemption | $147,000 (+36.74%) | $294,000 (+36.74%) |
| 2023 | $107,500 | $215,000 | |
| 2022 | $3,037.00 |
Source: FEMA National Flood Hazard Layer as of October 20, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 201 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRING LAKE TOWNSHIP serves 9,393 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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