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223 Prospect St, Spring Lake, MI, 49456

5beds
4baths
3,324sqft
$799,900
$241price/sqft
$5,321/moest. monthly cost
$212,840/yrincome needed

About This Home

Come see this stunning 3,335 square foot residence which offers the perfect blend of modern design, comfort and functionality. From the moment you arrive, you'll notice this throughout this builders own home, the craftsmanship, energy efficiency and high end construction. Anderson windows, with power window blinds in the great room, dining room 6" walls with spray foam insulation. So many features with spacious living levels, soaring 9' basement ceilings with egress windows. Large attached 2 car garage, this home was designed with practicality in mind. Main level primary suite with tile shower. Must see this to appreciate all the extras!

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

9/10
Holmes Elementary SchoolGrades PK-40.1 mi
7/10
9/10
Spring Lake High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Center Island,Pantry
  • Window features: Screens,Insulated Windows,Window Treatments
  • Flooring: Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,565
  • Total interior livable area: 3,324 sqft

Property

Details

  • Parcel number: 700315455014

Features

  • Stories: 2
  • Exterior features: Other
  • Fencing: Full,Privacy,Vinyl

Lot

  • Lot size: 8,712 sqft
  • Features: Level,Sidewalk
  • Lot size dimensions: 66 x 132

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Ottawa County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,044$48,528
Home Insurance *$229$2,748
Property Taxes $686$8,232
Electricity $362$4,350
Total$5,321$63,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,434/yr
40% on housing$159,630/yr
45% on housing$141,893/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 4.4%
4.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 49456$287
Ottawa County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 49456$228
Ottawa County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-29Listed for sale$799,900
2014-12-16Sold$23,000

For Sale by Agent

AgentMark D Gleason
BrokerageColdwell Banker Woodland Schmidt Grand Haven

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