725 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 725 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1962
Lot Size	0.273 acres (11,892 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Mar 2023)
Tax Bill	$4,343 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-14-375-079`

Property Details

APN / Parcel Number

Primary APN	`70-03-14-375-079`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	183 ft deep x 65 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	725 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	PART OF SW 1/4 OF SW 1/4 COM 112026 FT E OF SW SEC COR, TH E 65 FT, N 0D 04M 55S E 183 FT, W 65 FT, S 0D 04M 55S W 183 FT TO BEG, EXC S 33 FT FOR ST SEC 14 T8N R16W
Legal Range	16W
Legal Township	08N
Legal Section	14
Legal Block	375
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3017
Census Tract	21100

Owner

Source: Ottawa County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	725 RIVER ST, SPRING LAKE, MI 49456-1950
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Apr 30, 2024	Deed of Trust, Mortgage · FHA Mortgage T2 FINANCIAL LLC
Apr 5, 2023	Intrafamily Transfer, Transfer
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Aug 27, 2012 · Amount on Record
Deed Document Number	20237506
Prior Transfer Date	Mar 30, 2023
Prior Transfer Doc	20230007805
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	725 RIVER ST, SPRING LAKE, MI 49456-1950
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 RIVER ST, SPRING LAKE, MI 49456-1950

Mortgage

Document Number	20260007166
Date	Mar 18, 2026
Instrument	2026-0007166

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	725 RIVER ST, SPRING LAKE, MI 49456-1950
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 RIVER ST, SPRING LAKE, MI 49456-1950

Mortgage

Document Number	20240010375
Date	Apr 30, 2024
Instrument	2024-0010375

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company
Address	WESTERVILLE, OH 43082

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Apr 5, 2023
Property Address	725 RIVER ST, SPRING LAKE, MI 49456-1950
Document Number	20230007805
Instrument Date	Mar 30, 2023
Instrument	2023-0007805
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 RIVER ST, SPRING LAKE, MI 49456-1950

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Mar 31, 2023
Property Address	725 RIVER ST, SPRING LAKE, MI 49456-1950
Document Number	20230007506
Instrument Date	Mar 30, 2023
Instrument	2023-0007506
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,102.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 PINERIDGE DR, GRAND HAVEN, MI 49417-2423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 RIVER ST, SPRING LAKE, MI 49456-1950

Mortgage

Document Number	20230007508
Date	Mar 31, 2023
Instrument	2023-0007508

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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		$112,600 (+6.93%)	$225,200 (+6.93%)
2025	$4,343.00 (+116.93%) Homeowner's exemption	$105,300 (+9.92%)	$210,600 (+9.92%)
2023		$95,800	$191,600
2022	$2,002.00

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
Nearby Flood Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · rainfall accumulation

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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