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

Ottawa County property record for 232 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,616 sqft · built 1930
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$206,000 (Jan 2018)
Tax Bill	$3,583 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-453-008`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-453-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,616 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	7,100 sqft (0.163 acres)
Lot Width	66 ft Width
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 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	1
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	2
Census Block	2028
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-15-453-008

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	232 E EXCHANGE ST, SPRING LAKE, MI 49456-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Dec 15, 2017	Deed of Trust, Mortgage · Line of Credit MY PERSONAL CU
Jan 31, 2018	Warranty Deed, Transfer FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2018 · Amount on Record
Deed Sale	Jan 31, 2018 · Amount on Record
Prior Sale	Dec 30, 2016 · Amount on Record
Deed Document Number	20183699
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	232 E EXCHANGE ST, SPRING LAKE, MI 49456-2021
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 E EXCHANGE ST, SPRING LAKE, MI 49456-2021

Mortgage

Document Number	20210052424
Date	Oct 20, 2021
Instrument	2021-0052424

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	232 E EXCHANGE ST, SPRING LAKE, MI 49456-2021
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170047179
Date	Dec 15, 2017
Instrument	2017-0047179

Lender

Name	MY PERSONAL CU
Type	Credit Union
Address	WYOMING, MI 49509

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jan 31, 2018
Property Address	232 E EXCHANGE ST, SPRING LAKE, MI 49456-2021
Document Number	20180003699
Map Reference	LB1 PG54
Instrument Date	Jan 29, 2018
Instrument	2018-0003699
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	FOUNDATION TITLE AGENCY, FOUNDATION TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,771.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 E EXCHANGE ST, SPRING LAKE, MI 49456-2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 PALM AVE, SAN CARLOS, CA 94070-1949

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$134,600 (-3.17%)	$269,200 (-3.17%)
2025	$3,583.00 (+16.26%) Homeowner's exemption	$139,000 (+10.14%)	$278,000 (+10.14%)
2023		$126,200	$252,400
2022	$3,082.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), updated October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261390211002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 369 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Xfinity, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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