Ottawa County property record for 514 E Exchange St, Spring Lake, MI 49456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,848 sqft · built 1930 |
| Lot Size | 0.256 acres (11,151 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Aug 2019) |
| Tax Bill | $5,038 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 70-03-15-482-027 |
| Primary APN | 70-03-15-482-027 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,848 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 11,151 sqft (0.256 acres) |
| Lot Dimensions | 201 ft deep x 110 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 514 E EXCHANGE ST |
|---|---|
| City | SPRING LAKE |
| State | MI |
| Zip | 49456-1904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-B |
| Legal Description | LOT 7, BLK 2 & THAT PART OF LOT 8, BLK 2 COM NW COR SD LOT 8, TH S 85 FT, S 89D 51M 50S E 1 FT, N 23 FT, TH N 0D 55M 27S W |
| Legal Range | 16W |
| Legal Township | 5N |
| Legal Section | 15 |
| Legal Subdivision | BEG ALOYS BILZS ADD |
| Legal Block | 2 |
| Legal Lot Number | 7-8 |
| Jurisdiction | OTTAWA MI |
| Township / Civil Division | SPRING LAKE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21100 |
Source: Ottawa County records · APN 70-03-15-482-027
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 | 514 E EXCHANGE ST, SPRING LAKE, MI 49456-1904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 03, 2023 | Intrafamily Transfer, Transfer · Line of Credit SERVICE 1 FCU |
| Aug 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2019 · Amount on Record |
| Deed Sale | Aug 26, 2019 · Amount on Record |
| Deed Document Number | 201929680 |
| Last Transfer Date | Jun 14, 2023 |
| Transfer Doc | 20230016287 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Jul 03, 2023 |
| Property Address | 514 E EXCHANGE ST, SPRING LAKE, MI 49456-1904 |
| Document Number | 20230016287 |
| Map Reference | LB 3 PG 7 |
| Instrument Date | Jun 14, 2023 |
| Instrument | 2023-0016287 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 E EXCHANGE ST, SPRING LAKE, MI 49456-1904 |
| Name | Verified Name |
|---|---|
| Address | 514 E EXCHANGE ST, SPRING LAKE, MI 49456-1904 |
| Document Number | 20230016288 |
|---|---|
| Date | Jul 03, 2023 |
| Instrument | 2023-0016288 |
| Name | SERVICE 1 FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 01, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA MI |
| Recording Date | Aug 26, 2019 |
| Property Address | 514 E EXCHANGE ST, SPRING LAKE, MI 49456-1904 |
| Document Number | 20190029680 |
| Map Reference | LB 3 PG 7 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 2019-0029680 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | PREMIER LAKESHORE TITLE AGENCY, PREMIER LAKESHORE TTL AGCY L |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,548.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 E EXCHANGE ST, 514, SPRING LAKE, MI 49456-1904 |
| Name | Verified Name |
|---|---|
| Address | 514 E EXCHANGE ST, SPRING LAKE, MI 49456-1904 |
| Document Number | 20190029681 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 2019-0029681 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $161,500 (-3.41%) | $323,000 (-3.41%) | |
| 2025 | $5,038.00 (+16.24%) Homeowner's exemption | $167,200 (+10.8%) | $334,400 (+10.8%) |
| 2023 | $150,900 | $301,800 | |
| 2022 | $4,334.00 |
Source: FEMA National Flood Hazard Layer as of October 20, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · 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.
Based on FCC filings for 369 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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 |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures