Ottawa County property record for 428 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,417 sqft · built 1890 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Dec 2021) |
| Tax Bill | $4,561 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-481-023 |
| Primary APN | 70-03-15-481-023 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,417 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 756 sqft |
| Unfinished Basement | 756 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 8,625 sqft (0.198 acres) |
| Lot Dimensions | 120 ft deep x 72 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 428 E EXCHANGE ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 73 FT OF LOT 35 KOSTER'S ASSR PLAT NO 1 EXC W 66 FT, ALSO W 1/2 OF BLK 2 BARTHOLOMEW ADD LYING S OF EXCHANGE ST EXC E 6 FT, |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | FT KOSTERS ASSESSORS 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 |
Source: Ottawa County records · APN 70-03-15-481-023
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 | 428 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 29, 2021 · Amount on Record |
| Deed Sale | Dec 29, 2021 · Amount on Record |
| Prior Sale | Jun 02, 2016 · Amount on Record |
| Deed Document Number | 202163460 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Dec 29, 2021 |
| Property Address | 428 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Document Number | 20210063460 |
| Map Reference | LB 1 PG 81 |
| Instrument Date | Dec 23, 2021 |
| Instrument | 2021-0063460 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2022 |
| Title Company | SUN TITLE AGENCY/MI LLC, SUN TITLE AGCY OF MI OF LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 428 E EXCHANGE ST, 428, SPRING LAKE, MI 49456-1992 |
| Name | Verified Name |
|---|---|
| Address | 14439 MERCURY DR, GRAND HAVEN, MI 49417-8741 |
| Investor | Possibly a Property Investor |
| Document Number | 20210063461 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021-0063461 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA MI |
| Property Address | 428 E EXCHANGE ST, SPRING LAKE, MI 49456-1992 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20200033740 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 2020-0033740 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2035 |
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 | $116,000 (+6.62%) | $232,000 (+6.62%) | |
| 2025 | $4,561.00 (+16.23%) | ||
| 2023 | $108,800 | $217,600 | |
| 2022 | $3,924.00 |
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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