760 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 760 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,185 sqft · built 1957
Lot Size	0.331 acres (14,418 sqft)
Owner	Individual Name on Record
Last Sale	$351,000 (Feb 2025)
Tax Bill	$4,764 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-102-014`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-102-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,185 sqft Living Area
1st Floor Area	1,185 sqft
Basement Area	1,185 sqft
Unfinished Basement	1,185 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	14,418 sqft (0.331 acres)
Lot Dimensions	90 ft deep x 160 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	760 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	LOTS 51 & 52 EXC W 66 FT EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	102
Legal Lot Number	51-52
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2000
Census Tract	21100

Owner

Source: Ottawa County records, as of July 21, 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 Record
Mailing Address	760 RIVER ST, SPRING LAKE, MI 49456-1951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Mar 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2025 · Amount on Record
Deed Sale	Feb 12, 2025 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	20253426
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 1, 2022
Property Address	760 RIVER ST, SPRING LAKE, MI 49456-1951
Document Number	20220027609
Map Reference	LB 10 PG 11
Instrument Date	Jul 27, 2022
Instrument	2022-0027609
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	760 RIVER ST, SPRING LAKE, MI 49456-1951

Mortgage

Document Number	20220027610
Date	Aug 1, 2022
Instrument	2022-0027610

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	760 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Apr 30, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210020108
Date	Apr 14, 2021
Instrument	2021-0020108

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	760 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190008004
Date	Mar 19, 2019
Instrument	2019-0008004

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	760 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200037610
Date	Sep 2, 2020
Instrument	2020-0037610

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2030

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	760 RIVER ST, SPRING LAKE, MI 49456-1951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190034077
Date	Sep 23, 2019
Instrument	2019-0034077

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 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		$148,800 (+39.46%)	$297,600 (+39.46%)
2025	$4,764.00 (+89.65%)
2023		$106,700	$213,400
2022	$2,512.00

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

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
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

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	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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