743 Fall St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 743 Fall St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1976
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$197,500 (Dec 2018)
Tax Bill	$4,849 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-106-022`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-106-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	743 FALL ST
City	SPRING LAKE
State	MI
Zip	49456-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 116 EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	106
Legal Lot Number	116
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4007
Census Tract	21100

Owner

743 Fall St is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	743 FALL ST, SPRING LAKE, MI 49456-1930
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
Aug 29, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN MORTGAGE SERVICES LLC
Dec 27, 2018	Warranty Deed, Transfer · Conventional Mortgage NORTHERN MORTGAGE SERVICES LLC
May 24, 2018	Warranty Deed, Transfer GRAND RAPIDS TITLE COMPANY LLC, GRAND RAPIDS TITLE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2018 · Amount on File
Deed Sale	Dec 27, 2018 · Amount on File
Prior Sale	May 24, 2018 · Amount on File
Deed Document Number	201845551
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	743 FALL ST, SPRING LAKE, MI 49456-1930
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	743 FALL ST, SPRING LAKE, MI 49456-1930

Mortgage

Document Number	20220030873
Date	Aug 29, 2022
Instrument	2022-0030873

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 12, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	743 FALL ST, SPRING LAKE, MI 49456-1930
Transaction Type	Mortgage
Record Updated	Oct 15, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200042792
Date	Sep 30, 2020
Instrument	2020-0042792

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 27, 2018
Property Address	743 FALL ST, SPRING LAKE, MI 49456-1930
Document Number	20180045551
Map Reference	LB 10 PG 11
Instrument Date	Dec 14, 2018
Instrument	2018-0045551
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,698.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	743 FALL ST, 743, SPRING LAKE, MI 49456-1930

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 N PARK ST, SPRING LAKE, MI 49456-1669

Mortgage

Document Number	20180045552
Date	Dec 27, 2018
Instrument	2018-0045552

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	May 24, 2018
Property Address	743 FALL ST, SPRING LAKE, MI 49456-1930
Document Number	20180018164
Map Reference	LB13 PG11
Instrument Date	Apr 3, 2018
Instrument	2018-0018164
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	GRAND RAPIDS TITLE COMPANY LLC, GRAND RAPIDS TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$1,216.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	743 FALL ST, 743, SPRING LAKE, MI 49456-1930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2325 OAKWOOD DR SE, GRAND RAPIDS, MI 49506-4059

Tax Assessment & Valuation

The 2025 property tax bill for 743 Fall St was $4,849 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		$152,500	$305,000
2025	$4,849.00
2023		$134,200	$268,400
2022	$4,171.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 743 Fall St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	Severe Storms & Flooding, Sep 1986 · 2 claims

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 743 Fall 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.

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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