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

Ottawa County property record for 426 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,210 sqft · built 1911
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$2,205 (2025)
Deeds & Mortgages	Jul 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-481-022`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-481-022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,210 sqft Living Area
1st Floor Area	1,054 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	426 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-1992
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	W 66 FT OF N 73 FT OF LOT 35 KOSTER'S ASSESSOR'S PLAT NO 1 & W 66 FT OF W 1/2 OF BLK 2 BARTHOLOMEW'S ADD S OF EXCHANGE ST EXC
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	2
Legal Lot Number	35
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-15-481-022

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	426 E EXCHANGE ST, SPRING LAKE, MI 49456-1992
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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	426 E EXCHANGE ST, SPRING LAKE, MI 49456-1992
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E EXCHANGE ST, SPRING LAKE, MI 49456-1992

Mortgage

Document Number	20210038994
Date	Jul 30, 2021
Instrument	2021-0038994

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

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		$114,200 (+13.63%)	$228,400 (+13.63%)
2025	$2,205.00 (+16.24%)
2023		$100,500	$201,000
2022	$1,897.00

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 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 369 locations within half a mile · Last verified October 2026

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

May also be available: Xfinity.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	SPRING LAKE TOWNSHIP serves 9,393 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.