818 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 818 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,959 sqft · built 1947
Lot Size	0.472 acres (20,560 sqft)
Owner	Individual Name on File
Last Sale	$356,000 (Dec 2020)
Tax Bill	$8,063 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-130-006`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-130-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,959 sqft Living Area
1st Floor Area	1,626 sqft
Basement Area	1,332 sqft
Unfinished Basement	1,332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	20,560 sqft (0.472 acres)
Lot Dimensions	240 ft deep x 85.7 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	818 RIVER ST
City	SPRING LAKE
State	MI
Zip	49456-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	PART OF LOT 138 COM 2494 FT E OF NW COR, TH E 857 FT, TH S 00D15M E TO WATERS OF LLOYD'S BAYOU, TH W'LY ALG SHORE TO A PT DUE S OF BEG, TH N TO BEG EVERGREEN PARK SUB
Legal Range	16W
Legal Township	8N
Legal Section	23
Legal Subdivision	EVERGREEN PARK SUB
Legal Block	130
Legal Lot Number	138
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	4
Census Block	4005
Census Tract	21100

Owner

818 River St is owned and occupied by an individual who bought it in December 2020.

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 File
Mailing Address	818 RIVER ST, SPRING LAKE, MI 49456-1953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST MICHIGAN COMMUNITY BANK
Dec 10, 2020	Warranty Deed, Transfer · Line of Credit WEST MICHIGAN COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2020 · Amount on File
Deed Sale	Dec 10, 2020 · Amount on File
Deed Document Number	202055998
Prior Transfer Date	Feb 20, 2008
Prior Transfer Doc	5599/135
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	818 RIVER ST, SPRING LAKE, MI 49456-1953
Transaction Type	Mortgage
Record Updated	Jul 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 RIVER ST, SPRING LAKE, MI 49456-1953

Mortgage

Document Number	20210048795
Date	Sep 28, 2021
Instrument	2021-0048795

Lender

Name	WEST MICHIGAN COMMUNITY BANK
Type	Bank
Address	HUDSONVILLE, MI 49426

Agreement

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

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 10, 2020
Property Address	818 RIVER ST, SPRING LAKE, MI 49456-1953
Document Number	20200055998
Instrument Date	Nov 25, 2020
Instrument	2020-0055998
Transaction Type	Transfer
Record Updated	Aug 19, 2021
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	$2,670.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18061 W SPRING LAKE RD, 18061, SPRING LAKE, MI 49456-1067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 SYCAMORE WAY DR SE, GRAND RAPIDS, MI 49546-8640

Mortgage

Document Number	20200055999
Date	Dec 10, 2020
Instrument	2020-0055999

Lender

Name	WEST MICHIGAN COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 818 River St was $8,063 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		$221,900 (+17.59%)	$443,800 (+17.59%)
2025	$8,063.00 Homeowner's exemption	$188,700	$377,400
2023		$206,000	$412,000
2022	$8,066.00

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

Flood

FEMA maps place 818 River 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 818 River 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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