822 River St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 822 River St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,577 sqft · built 1934
Lot Size	0.364 acres (15,856 sqft)
Owner	2 Individual Names on File
Last Sale	$224,000 (Oct 2006)
Tax Bill	$6,084 (2025)
Deeds & Mortgages	Feb 2026 Transfer Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`70-03-23-130-007`

Property Details

APN / Parcel Number

Primary APN	`70-03-23-130-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,577 sqft Living Area
1st Floor Area	1,577 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Lot Area	15,856 sqft (0.364 acres)
Lot Dimensions	240 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	822 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 3351 FT E OF NW COR, TH E 66 FT, S TO WATERS OF LLOYD'S BAYOU,TH W'LY ALG SHORE TO A PT S 00D15M E OF BEG, TH N 00D15M W 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

822 River St is owned and occupied by two individuals who acquired it in February 2026.

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	2 Individual Names on File
Mailing Address	822 RIVER ST, SPRING LAKE, MI 49456-1953
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Intrafamily Transfer, Transfer
Nov 3, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2006 · Amount on File
Deed Sale	Oct 19, 2006 · Amount on File
Deed Book / Page	5289 / 29
Last Transfer Date	Feb 24, 2026
Transfer Doc	20260005300
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Feb 26, 2026
Property Address	822 RIVER ST, SPRING LAKE, MI 49456-1953
Document Number	20260005300
Instrument Date	Feb 24, 2026
Instrument	2026-0005300
Transaction Type	Transfer
Record Updated	Mar 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	822 RIVER ST, SPRING LAKE, MI 49456-1953

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12715 BLUE LAGOON RD, SHELBYVILLE, MI 49344-9467

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	822 RIVER ST, SPRING LAKE, MI 49456-1953
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170041312
Date	Nov 3, 2017
Instrument	2017-0041312

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 822 River St was $6,084 with a homeowner's exemption, up 6.1% from the year before.

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		$188,400 (+19.24%)	$376,800 (+19.24%)
2025	$6,084.00 (+6.07%) Homeowner's exemption	$158,000	$316,000
2024	$5,736.00
2023		$172,100	$344,200
2022	$5,166.00

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

Flood

FEMA maps place 822 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 822 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.

Nearby Properties on River St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures