808 Central Ave, Spring Lake, MI 49456 Property Records

Ottawa County property record for 808 Central Ave, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,912 sqft · built 1990
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2014)
Tax Bill	$6,549 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-14-325-034`

Property Details

APN / Parcel Number

Primary APN	`70-03-14-325-034`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,912 sqft Living Area
1st Floor Area	1,464 sqft
Basement Area	1,464 sqft
Unfinished Basement	1,464 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 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	808 CENTRAL AVE
City	SPRING LAKE
State	MI
Zip	49456-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 15 FALL'S ADD TO SPRING LAKE
Legal Range	13W
Legal Township	6N
Legal Section	14
Legal Subdivision	FALLS ADD
Legal Block	325
Legal Lot Number	15
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3006
Census Tract	21100

Owner

808 Central Ave is owned and occupied by an individual who bought it in August 2014.

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

Owner of Record	Individual Name on File
Mailing Address	808 CENTRAL AVE, SPRING LAKE, MI 49456-1915
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 3, 2021	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage VAN DYK MORTGAGE CORP
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage VAN DYK MORTGAGE CORP
Jul 24, 2018	Deed of Trust, Mortgage · Line of Credit COMERICA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2014 · Amount on File
Deed Sale	Aug 13, 2014 · Amount on File
Deed Document Number	201427404
Prior Transfer Date	Feb 12, 2014
Prior Transfer Doc	20140004994
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	808 CENTRAL AVE, SPRING LAKE, MI 49456-1915
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 CENTRAL AVE, SPRING LAKE, MI 49456-1915

Mortgage

Document Number	20210055017
Date	Nov 3, 2021
Instrument	2021-0055017

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	808 CENTRAL AVE, SPRING LAKE, MI 49456-1915
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210010833
Date	Feb 26, 2021
Instrument	2021-0010833

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	808 CENTRAL AVE, SPRING LAKE, MI 49456-1915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200015030
Date	Apr 20, 2020
Instrument	2020-0015030

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	808 CENTRAL AVE, SPRING LAKE, MI 49456-1915
Transaction Type	Mortgage
Record Updated	Aug 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180026021
Date	Jul 24, 2018
Instrument	2018-0026021

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 808 Central Ave was $6,549 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		$300,800 (+8.32%)	$601,600 (+8.32%)
2025	$6,549.00 Homeowner's exemption	$277,700	$555,400
2023		$250,100	$500,200
2022	$5,633.00

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

Flood

FEMA maps place 808 Central Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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

Wildfire risk around 808 Central Ave 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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