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

Ottawa County property record for 302 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 994 sqft · built 1956
Lot Size	0.156 acres (6,795 sqft)
Owner	Individual Name on File
Tax Bill	$3,624 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-455-001`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-455-001`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	994 sqft Living Area
1st Floor Area	994 sqft
Basement Area	994 sqft
Unfinished Basement	994 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	103 ft deep x 66 ft wide
Garage Area	1,244 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	302 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 KOSTER'S ASSESSOR'S PLAT NO 2
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	455
Legal Lot Number	42
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3014
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-15-455-001

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	302 E EXCHANGE ST, SPRING LAKE, MI 49456-2023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	302 E EXCHANGE ST, SPRING LAKE, MI 49456-2023
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170036461
Date	Oct 02, 2017
Instrument	2017-0036461

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	215 Months
Due	Sep 19, 2035

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		$144,500 (+46.7%)	$289,000 (+46.7%)
2025	$3,624.00 (+88.95%)
2023		$98,500	$197,000
2022	$1,918.00

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 261390211003, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearby Flood Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018, rainfall accumulation

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.