Ottawa County property record for 422 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,060 sqft · built 1950 |
| Lot Size | 0.185 acres (8,059 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Sep 2021) |
| Tax Bill | $4,379 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-481-002 |
| Primary APN | 70-03-15-481-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,060 sqft Living Area |
| 1st Floor Area | 1,060 sqft |
| Basement Area | 1,060 sqft |
| Unfinished Basement | 1,060 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 8,059 sqft (0.185 acres) |
| Lot Dimensions | 107 ft deep x 75 ft wide |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 422 E EXCHANGE ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 15 FT OF LOT 10 & ALL OF LOT 11 BRAAK'S SUB VILLAGE OF SPRING LAKE |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | BRAAKS SUB |
| Legal Block | 481 |
| Legal Lot Number | 10-11 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21100 |
Source: Ottawa County records · APN 70-03-15-481-002
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 | 422 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 07, 2026 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION |
| Sep 01, 2021 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 01, 2021 · Amount on Record |
| Deed Sale | Sep 01, 2021 · Amount on Record |
| Prior Sale | Sep 07, 2010 · Amount on Record |
| Deed Document Number | 202144545 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Apr 07, 2026 |
| Property Address | 422 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Document Number | 0000009685 |
| Instrument Date | Apr 02, 2026 |
| Instrument | 20269685 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 422 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Document Number | 0000009685, |
|---|---|
| Date | Apr 07, 2026 |
| Instrument | 20269685 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Sep 01, 2021 |
| Property Address | 422 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Document Number | 20210044545 |
| Map Reference | LB 9 PG 10 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021-0044545 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Title Company | CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 422 E EXCHANGE ST, 422, SPRING LAKE, MI 49456-1992 |
| Name | Verified Name |
|---|---|
| Address | 422 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Document Number | 20210044546 |
|---|---|
| Date | Sep 01, 2021 |
| Instrument | 2021-0044546 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $117,600 (-2.41%) | $235,200 (-2.41%) | |
| 2025 | $4,379.00 (+16.28%) Homeowner's exemption | $120,500 (+9.45%) | $241,000 (+9.45%) |
| 2023 | $110,100 | $220,200 | |
| 2022 | $3,766.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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