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

Ottawa County property record for 408 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,832 sqft · built 1930
Lot Size	0.284 acres (12,371 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Apr 2024)
Tax Bill	$7,960 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-456-019`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-456-019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,832 sqft Living Area
1st Floor Area	1,489 sqft
Basement Area	635 sqft
Unfinished Basement	635 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	12,371 sqft (0.284 acres)
Lot Width	90 ft Width
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	408 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 60 KOSTER'S ASSESSOR'S PLAT NO 2 & LOT 1 BRAAK'S SUB
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	456
Legal Lot Number	1,60
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
Census Tract	21100

Owner

Source: Ottawa County records, as of October 12, 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 Record
Mailing Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Dec 30, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 25, 2019	Intrafamily Transfer, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2024 · Amount on Record
Deed Sale	Apr 22, 2024 · Amount on Record
Prior Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	20249539
Prior Transfer Date	Mar 19, 2019
Prior Transfer Doc	20190008736
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 22, 2024
Property Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902
Document Number	20240009539
Instrument Date	Apr 19, 2024
Instrument	2024-0009539
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902

Mortgage

Document Number	20240009540
Date	Apr 22, 2024
Instrument	2024-0009540

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	12%
Index	1-Year CMT
Max Rate	12%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Dec 30, 2020
Property Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902
Document Number	20200059686
Map Reference	LB 8 PG 78
Instrument Date	Dec 10, 2020
Instrument	2020-0059686
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 E EXCHANGE ST, 408, SPRING LAKE, MI 49456-1902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902

Mortgage

Document Number	20200059616
Date	Dec 30, 2020
Instrument	2020-0059616

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Mar 25, 2019
Property Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902
Document Number	20190008736
Map Reference	LB 8 PG 78
Instrument Date	Mar 19, 2019
Instrument	2019-0008736
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	HBI TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E EXCHANGE ST, SPRING LAKE, MI 49456-1902

Mortgage

Document Number	20190008737
Date	Mar 25, 2019
Instrument	2019-0008737

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.82%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.82%
Index	1-Year LIBOR
Max Rate	8.82%

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 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		$182,600 (-3.28%)	$365,200 (-3.28%)
2025	$7,960.00 (+37.45%) Homeowner's exemption	$188,800 (+20.49%)	$377,600 (+20.49%)
2023		$156,700	$313,400
2022	$5,791.00

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.

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	None beyond ember reach

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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