1. Home
  2. Michigan
  3. Ottawa County
  4. Spring Lake
  5. E Exchange St

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

Ottawa County property record for 438 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 952 sqft · built 1955
Lot Size0.138 acres (6,011 sqft)
OwnerIndividual Name on File
Last Sale$230,000 (Nov 2020)
Tax Bill$3,903 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN70-03-15-481-005

Property Details

APN / Parcel Number

Primary APN70-03-15-481-005

Interior

Bedrooms2 Beds
Full Baths1 Bath
Building Area952 sqft Living Area
1st Floor Area952 sqft
Basement Area952 sqft
Unfinished Basement952 sqft

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions80 ft deep x 75 ft wide
Garage Area364 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address438 E EXCHANGE ST
CitySPRING LAKE
StateMI
Zip49456-1970
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionE 705 FT OF S 513 FT OF LOT 2 BLK 2 & E 705 FT OF LOT 34 KOSTER'S ASSESSOR'S PLAT 1, OWNED & OCCUPIED AS ONE PARCEL
Legal Range16W
Legal Township5N
Legal Section15
Legal SubdivisionS PLAT
Legal Block2
Legal Lot Number2,34
JurisdictionOTTAWA MI
Township / Civil DivisionSPRING LAKE
Census Block Group3
Census Block3015
Census Tract21100

Owner

Source: Ottawa County records · APN 70-03-15-481-005

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 RecordIndividual Name on File
Mailing Address438 E EXCHANGE ST, SPRING LAKE, MI 49456-1970
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 30, 2020 · Amount on Record
Deed SaleNov 30, 2020 · Amount on Record
Prior SaleOct 20, 2015 · Amount on Record
Deed Document Number202053736
Record UpdatedSep 20, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA MI
Recording DateNov 30, 2020
Property Address438 E EXCHANGE ST, SPRING LAKE, MI 49456-1970
Document Number20200053736
Map ReferenceLB 8 PG 77
Instrument DateOct 26, 2020
Instrument2020-0053736
Transaction TypeTransfer
Record UpdatedJul 11, 2023
Title CompanyBRIDGE TITLE AGENCY LLC, BRIDGE TITLEAGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,725.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7091 14TH ST, SPRING LAKE, MI 49456-9622
InvestorPossibly a Property Investor

Mortgage

Document Number20200053724
DateNov 30, 2020
Instrument2020-0053724
Lender
NameMORTGAGE 1 INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueDec 01, 2045

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOttawa County
County SubdivisionSpring Lake Township
MunicipalitySpring Lake Village
Unified School DistrictSpring Lake Public Schools (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2026$114,800 (+12.66%)$229,600 (+12.66%)
2025$3,903.00 (+16.26%)
2023$101,900$203,800
2022$3,357.00

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims2 (2014–2018)
Claims Outside the SFHA2 of 2
Most Recent ClaimFeb 2018, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 · Published October 2026 · based on 369 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: Xfinity, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on E Exchange St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures