Ottawa County property record for 720 Summer St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 978 sqft · built 1956 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,105 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-23-104-005 |
| Primary APN | 70-03-23-104-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 978 sqft Living Area |
| 1st Floor Area | 978 sqft |
| Basement Area | 978 sqft |
| Unfinished Basement | 978 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 720 SUMMER ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-A |
| Legal Description | LOT 73 EVERGREEN PARK SUB |
| Legal Range | 16W |
| Legal Township | 8N |
| Legal Section | 23 |
| Legal Subdivision | EVERGREEN PARK SUB |
| Legal Block | 104 |
| Legal Lot Number | 73 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 21100 |
720 Summer St is owned and occupied by an individual who acquired it in September 2024.
Source: Ottawa County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE ONE FUNDING LLC |
| May 16, 2022 | Intrafamily Transfer, Transfer |
| May 31, 2022 | Affidavit, Transfer |
| Nov 8, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Apr 25, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 17, 2024 |
| Transfer Doc | 20240024063 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Number | 20260004178 |
|---|---|
| Date | Feb 16, 2026 |
| Instrument | 2026-0004178 |
| Name | MORTGAGE ONE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLAWSON, MI 48017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | May 16, 2022 |
| Property Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Number | 20220018471 |
| Instrument Date | May 6, 2022 |
| Instrument | 2022-0018471 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | May 31, 2022 |
| Property Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Number | 20220020185 |
| Map Reference | LB 10 PG 11 |
| Instrument Date | Jan 25, 2022 |
| Instrument | 2022-0020185 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 724 SUMMER ST, 724, SPRING LAKE, MI 49456-1965 |
| Name | Verified Name |
|---|---|
| Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Nov 8, 2021 |
| Property Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Number | 20210055561 |
| Map Reference | LB 10 PG 11 |
| Instrument Date | Nov 8, 2021 |
| Instrument | 2021-0055561 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | HBI TITLE SERVICES INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Number | 20210055562 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 2021-0055562 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 25, 2019 |
| Property Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
| Document Number | 20190013247 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 2019-0013247 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 720 SUMMER ST, SPRING LAKE, MI 49456-1965 |
The 2025 property tax bill for 720 Summer St was $3,105 with a homeowner's exemption.
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 | $133,400 (-1.11%) | $266,800 (-1.11%) | |
| 2025 | $3,105.00 Homeowner's exemption | $134,900 | $269,800 |
| 2023 | $110,400 | $220,800 | |
| 2022 | $2,621.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 Summer St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.
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 File 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 risk around 720 Summer 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 | 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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