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

Ottawa County property record for 324 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,645 sqft · built 1882
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Jun 2022)
Tax Bill	$7,404 (2025)
Deeds & Mortgages	Jun 2022 Transfer Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-455-006`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-455-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,645 sqft Living Area
1st Floor Area	1,169 sqft
Basement Area	839 sqft
Unfinished Basement	839 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 99 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	324 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-A
Legal Description	LOT 47 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	47
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3014
Census Tract	21100

Owner

Source: Ottawa County records, as of July 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3149 LIDO ISLE CT, LAS VEGAS, NV 89117-3534
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 6, 2022	Warranty Deed, Transfer
Aug 6, 2018	Warranty Deed, Transfer
Aug 6, 2018	Warranty Deed, Transfer JACK HOLSEM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	202221026
Prior Transfer Date	Jun 3, 2022
Prior Transfer Doc	20220021025
Record Updated	Sep 20, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 6, 2022
Property Address	324 E EXCHANGE ST, SPRING LAKE, MI 49456-2023
Document Number	20220021025
Instrument Date	Jun 3, 2022
Instrument	2022-0021025
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 E EXCHANGE ST, 324, SPRING LAKE, MI 49456-2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 LANE 375 LAKE JAMES, ANGOLA, IN 46703-9095

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Jun 6, 2022
Property Address	324 E EXCHANGE ST, SPRING LAKE, MI 49456-2023
Document Number	20220021026
Map Reference	LB 8 PG 78
Instrument Date	Jun 3, 2022
Instrument	2022-0021026
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 LANE 375 LAKE JAMES, 100, ANGOLA, IN 46703-9095

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3149 LIDO ISLE CT, LAS VEGAS, NV 89117-3534

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 6, 2018
Property Address	324 E EXCHANGE ST, SPRING LAKE, MI 49456-2023
Document Number	20180027487
Map Reference	LB8 PG78
Instrument Date	Aug 3, 2018
Instrument	2018-0027487
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17046 LLOYDS BAYOU DR, 17046, SPRING LAKE, MI 49456-9266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 E EXCHANGE ST, SPRING LAKE, MI 49456-2023

Mortgage

Document Number	20180027541
Date	Aug 6, 2018
Instrument	2018-0027541

Lender

Type	Private Party

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	5%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 6, 2018
Property Address	324 E EXCHANGE ST, SPRING LAKE, MI 49456-2023
Document Number	20180027487
Map Reference	LB 8 PG 78
Instrument Date	Aug 3, 2018
Instrument	2018-0027487
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17046 LLOYDS BAYOU DR, 17046, SPRING LAKE, MI 49456-9266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 E EXCHANGE ST, SPRING LAKE, MI 49456-2023

Mortgage

Document Number	20180027541
Date	Aug 6, 2018
Instrument	2018-0027541

Lender

Name	JACK HOLSEM
Type	Private Party

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,800 (+15.38%)	$265,600 (+15.38%)
2025	$7,404.00 (+126.08%)
2023		$115,100	$230,200
2022	$3,275.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2014–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · rainfall accumulation

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRING LAKE TOWNSHIP serves 9,393 people · EPA ID MI0006235
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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