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

Ottawa County property record for 434 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 929 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Tax Bill	$2,125 (2025)
Deeds & Mortgages	Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-481-004`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-481-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	929 sqft Living Area
1st Floor Area	929 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	80 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-1992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 615 FT OF S 513 FT OF LOT 2 BLK 2 & E 6 FT OF S 513 FT OF LOT 1 BLK 2 & ALSO W 66 FT OF LOT 34 KOSTER'S ASSESSOR'S PLAT 1,
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	2
Legal Lot Number	1-2,34
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3015
Census Tract	21100

Owner

Source: Ottawa County records · APN 70-03-15-481-004

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	18441 144TH AVE, SPRING LAKE, MI 49456-9133
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jul 12, 2018
Transfer Doc	20180025147
Record Updated	Sep 20, 2026

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jul 18, 2018
Property Address	434 E EXCHANGE ST, SPRING LAKE, MI 49456-1992
Document Number	20180025147
Instrument Date	Jul 12, 2018
Instrument	2018-0025147
Transaction Type	Transfer
Record Updated	Aug 19, 2021

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	18441 144TH AVE, FRUITPORT, MI 00000

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		$85,100 (-2.18%)	$170,200 (-2.18%)
2025	$2,125.00 (+15.49%)	$87,000 (+6.36%)	$174,000 (+6.36%)
2023		$81,800	$163,600
2022	$1,840.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.