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Single Family ResidenceResidential
$320,003$225 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $100,000 on Jan 27, 2011

407 RIVER ST

SPRING LAKE, MI 49456
2
Beds
2
Baths
1,421 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.

Valuation

$320K
$298K low$342K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,000 · Jan 27, 2011
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$251,003
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$200,802
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.22%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$69,000
THE HUNTINGTON NATIONAL BANK · recorded Dec 28, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,213 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$111,500 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$115,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOTTAWA
Lot (acres)The size of the land the home sits on, from county records.0.20
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Holmes Elementary SchoolA
Elementary · Grades KG–4 · 0.1 mi
M
Spring Lake Middle SchoolB+
Middle · Grades 7–8 · 0.2 mi
H
Spring Lake High SchoolA
High · Grades 9–12 · 2.1 mi

District: Spring Lake Public Schools

Neighborhood · ZIP 49456These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.21,228
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.630 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,095
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,959
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

407 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 73% of homes in Spring Lake 49456
  • Costs less per square foot than 70% of homes in Ottawa County
  • Smaller than 65% of homes in Spring Lake 49456
  • Has a smaller lot than 88% of homes in Ottawa County
  • Older than 95% of homes in Spring Lake 49456

What homes are worth in Spring Lake 49456

Each bar is how many homes fall in that price range. The marker is this home.

This home
$185K$1.9M

This home is worth more than 27% of homes in Spring Lake 49456.

How it measures up in Spring Lake 49456

The dot is this home. The mark in the middle is the typical home in Spring Lake 49456.

Estimated value$320,003
CheaperTypical $413,047Pricier

Pricier than 27% of homes nearby

Price per ft²$225
CheaperTypical $258Pricier

Pricier than 32% of homes nearby

Living area1,421 ft²
SmallerTypical 1,652 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.2 ac
SmallerTypical 0.49 acBigger

Bigger than 13% of homes nearby

Year built1920
OlderTypical 1984Newer

Newer than 5% of homes nearby

How 407 River St ranks against every home in each area.
MeasureThis homeSpring Lake 49456Ottawa County
Estimated valuepricier than$320,00327% of homes29% of homes
Price per ft²pricier than$22532% of homes30% of homes
Living areabigger than1,421 ft²35% of homes42% of homes
Lot sizebigger than0.2 ac13% of homes12% of homes
Year builtnewer than19205% of homes7% of homes

About 407 River St

How much is 407 River St, Spring Lake, MI worth?

The TopHap Estimate for 407 River St, Spring Lake, MI is $320,003 as of Jun 23, 2026. The likely range is $297,602 to $342,403. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 407 River St, Spring Lake, MI last sell?

407 River St, Spring Lake, MI last sold on Jan 27, 2011 for $100,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 407 River St, Spring Lake, MI?

407 River St, Spring Lake, MI has 2 bedrooms, 2 bathrooms, 1,421 square feet of living space and a 0.20-acre lot.

When was 407 River St, Spring Lake, MI built?

407 River St, Spring Lake, MI was built in 1920, making it 106 years old.

What schools serve 407 River St, Spring Lake, MI?

407 River St, Spring Lake, MI is assigned to Holmes Elementary School (elementary), rated A; Spring Lake Middle School (middle), rated B+; Spring Lake High School (high), rated A. All sit in Spring Lake Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 407 River St, Spring Lake, MI compare to other homes in Spring Lake 49456?

Among the 8,071 homes in Spring Lake 49456, it is worth more than 27% of them ($320,003 against a typical $413,047), its price per square foot is higher than 32% of them ($225 against a typical $258), it is bigger than 35% of them (1,421 ft² against a typical 1,652 ft²), its lot is bigger than 13% of them (0.2 ac against a typical 0.49 ac) and it is newer than 5% of them (1920 against a typical 1984). Measured against all of Ottawa County, it is worth more than 29% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 407 River St, Spring Lake, MI?

The 2025 property tax bill for 407 River St, Spring Lake, MI was $4,213. The county assessed it at $111,500.

Closest homes

More homes in Spring Lake 49456

Assigned schools

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