Spring Grove Plat
Surrounded by nature
Median $565K·Schools 5.0/10
If someone asks what you love about the area, the first thing out of your mouth is the water—Derby Lake sits right here, all sports, spring fed, sandy bottom, and lined with wooded lots that back right up to it. The shoreline feels genuine, not overdeveloped; homes are spaced out on acreage, and the lake itself is the kind of place where you actually want to spend summer mornings on the dock. Woodbeck Lake is practically at your doorstep too, just a short walk away, so there's water in every direction if you're the type to be out on it.
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Why people love it here
Lake life
- Derby Lake within walking distance
- 10 parks within 1 mile
$565K median
- 1 recent sale
Conventional Mortgage Calculator
Median home price in Spring Grove Plat
Estimated Monthly Payment
$4,034/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is an estimate, not a published rate. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Flood Risk
None
Not in flood zone
Nearest Park
Derby Lake Public Access
0.1 mi
Parks Nearby
10
within 1 mile
Nearest Lake
Derby Lake
0.2 mi
Based on 1 rated school nearby
School District: Central Montcalm Public Schools
Crime in Spring Grove Plat is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Montcalm County.
Montcalm County crime & safety stats →To buy a median-priced Spring Grove Plat home (around $565,000) at today's 7.18% 30-year fixed rate with 20% down, you'd need roughly $106k/year in household income to qualify — an estimated monthly payment of $3,966 (principal, interest, property tax est., and insurance).
Mortgage (principal and interest) $3,062 · Property tax (est.) $706 · Insurance (est.) $198 = $3,966/mo
Assumes 20% down; excludes PMI and HOA fees.
| Down payment | Monthly: mortgage, tax, insurance | Income needed |
|---|---|---|
| 20% | $3,966/mo | $105,760 |
| 10% (+PMI) | $4,561/mo | $121,617 |
| 5% (+PMI) | $4,764/mo | $127,034 |
Estimates use a 7.18% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
🍕 Restaurants(2)
Fast Food
🏫 Schools(1)
Montcalm Central High School
School
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(5)
Fred Meijer Heartland Trail
Bike Path
Fred Meijer Heartland Trail
Bike Path
Fred Meijer Heartland Trail
Bike Path
+2 more within 5 miles
🏥 Hospitals(1)
Hospital
Grand Rapids Real Estate Co.
Local real estate specialists
Questions about Spring Grove Plat? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Spring Grove Plat
- What do homes cost in Spring Grove Plat?
- The median home value in Spring Grove Plat is about $565,000. Individual prices vary by street, size, and condition.
- How active is the Spring Grove Plat housing market?
- no homes are listed in Spring Grove Plat right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Spring Grove Plat?
- Spring Grove Plat is served by Central Montcalm Public Schools. Its highest-rated assigned school is Central Montcalm Middle High School (5/10).
Top contributors in Spring Grove Plat
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