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

Ottawa County property record for 321 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1900
Square Footage	1,781 sqft Living Area
Lot Size	11,151 sqft (0.256 acres)
Garage	425 sqft
Occupancy	Owner Occupied
Tax Bill	$2,962.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`70-03-15-452-019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,781 sqft Living Area
1st Floor	1,181 sqft 1st Floor
Basement Area	432 sqft Basement
Unfinished Basement	432 sqft Unfinished
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	11,151 sqft (0.256 acres)
Depth X Width	159 ft x 70.2 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	425 sqft Garage

Utilities and HVAC

Heating System	Hot Water Heating

Location & Zoning

Street Address	321 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-2022
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 31 & A STRIP OFF E SIDE OF LOT 32 52 FT AT N END & 42 FT AT S END OF SD LOT 32 KOSTER'S ASSESSOR'S PLAT NO 2
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	452
Legal Lot Number	5,31-32
Jurisdiction	OTTAWA MI
Minor Civil Division	SPRING LAKE
Census Blockgroup	3
Census Block	3013
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-15-452-019

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	321 E EXCHANGE ST, SPRING LAKE, MI 49456-2022
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	321 E EXCHANGE ST, SPRING LAKE, MI 49456-2022
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180042395
Date	Nov 29, 2018
Instrument	2018-0042395

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 03, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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		$137,500 (+7%)	$275,000 (+7%)
2025	$2,962.00 (+16.25%)
2023		$128,500	$257,000
2022	$2,548.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (26139C), updated October 20, 2021 · 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

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; lenders make the official flood determination.