729 Summer St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 729 Summer St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 970 sqft · built 1953
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Nov 2023)
Tax Bill	$4,482 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-102-020`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-102-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	970 sqft Living Area
1st Floor Area	790 sqft
Basement Area	720 sqft
Unfinished Basement	720 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	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	729 SUMMER ST
City	SPRING LAKE
State	MI
Zip	49456-1964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 60 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	102
Legal Lot Number	60
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2000
Census Tract	21100

Owner

729 Summer St is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Oct 6, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jul 3, 2019	Intrafamily Transfer, Transfer
Dec 26, 2017	Intrafamily Transfer, Transfer
Dec 26, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2023 · Amount on File
Deed Sale	Nov 10, 2023 · Amount on File
Prior Sale	Oct 6, 2021 · Amount on File
Deed Document Number	202328976
Prior Transfer Date	Jun 13, 2019
Prior Transfer Doc	20190022311
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 10, 2023
Property Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964
Document Number	20230028976
Map Reference	LB 10 PG 11
Instrument Date	Nov 9, 2023
Instrument	2023-0028976
Transaction Type	Transfer
Record Updated	Nov 27, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,912.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964

Mortgage

Document Number	20230028977
Date	Nov 10, 2023
Instrument	2023-0028977

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 6, 2021
Property Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964
Document Number	20210050222
Map Reference	LB 10 PG 11
Instrument Date	Oct 4, 2021
Instrument	2021-0050222
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	LAKESHORE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1523 LEAHY ST, 1523, MUSKEGON, MI 49442-5037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964

Mortgage

Document Number	20210050223
Date	Oct 6, 2021
Instrument	2021-0050223

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jul 3, 2019
Property Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964
Document Number	20190022311
Instrument Date	Jun 13, 2019
Instrument	2019-0022311
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Living Trust
Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 26, 2017
Property Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964
Document Number	20170048303
Instrument Date	Dec 19, 2017
Instrument	2017-0048303
Transaction Type	Transfer
Record Updated	Aug 19, 2021

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	3606 FAYETTE CT, WOODBRIDGE, VA 22193-2026

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Dec 26, 2017
Property Address	729 SUMMER ST, SPRING LAKE, MI 49456-1964
Document Number	20170048302
Instrument Date	Dec 19, 2017
Instrument	2017-0048302
Transaction Type	Transfer
Record Updated	Aug 19, 2021

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	729 SUMMER ST, SPRING LAKE, MI 49456-1964

Tax Assessment & Valuation

The 2025 property tax bill for 729 Summer St was $4,482 with a homeowner's exemption.

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		$114,600 (-2.22%)	$229,200 (-2.22%)
2025	$4,482.00 Homeowner's exemption	$117,200	$234,400
2023		$97,600	$195,200
2022	$3,486.00

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

FEMA maps place 729 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

Wildfire risk around 729 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	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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