210 E Exchange St, Spring Lake, MI 49456 Property Records

Ottawa County property record for 210 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,153 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$224,500 (Nov 2023)
Tax Bill	$4,904 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-453-003`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-453-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,153 sqft Living Area
1st Floor Area	1,153 sqft
Basement Area	796 sqft
Unfinished Basement	796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	7,100 sqft (0.163 acres)
Lot Width	66 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	210 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 7 BLK 1 & W 1/2 OF LOT 6 BLK 1 HOPKINS ADD TO MILL POINT
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	HOPKINS ADD
Legal Block	1
Legal Lot Number	6-7
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2028
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-15-453-003

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	210 E EXCHANGE ST, SPRING LAKE, MI 49456-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Deed Document Number	202329584
Prior Transfer Date	Aug 28, 2009
Prior Transfer Doc	20090036545
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Nov 17, 2023
Property Address	210 E EXCHANGE ST, SPRING LAKE, MI 49456-2021
Document Number	20230029584
Map Reference	LB 1 PG 54
Instrument Date	Nov 15, 2023
Instrument	2023-0029584
Transaction Type	Transfer
Record Updated	Dec 01, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,683.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10064 WOLFRIVER DR, PLYMOUTH, MI 48170-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 E EXCHANGE ST, SPRING LAKE, MI 49456-2021

Mortgage

Document Number	20230029585
Date	Nov 17, 2023
Instrument	2023-0029585

Lender

Name	MACATAWA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,800 (+4.12%)	$247,600 (+4.12%)
2025	$4,904.00 (+143.86%) Homeowner's exemption	$118,900 (+10.71%)	$237,800 (+10.71%)
2023		$107,400	$214,800
2022	$2,011.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 20, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	4 (1986–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Apr 2020 · river or lake flooding

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

Based on FCC filings for 369 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPRING LAKE TOWNSHIP serves 9,393 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.