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

Ottawa County property record for 517 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1930
Lot Size	0.204 acres (8,886 sqft)
Owner	Individual Name on Record
Last Sale	$282,000 (Oct 2020)
Tax Bill	$4,111 (2025)
Deeds & Mortgages	Oct 2020 Sale Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-480-018`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-480-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	8,886 sqft (0.204 acres)
Lot Dimensions	160 ft deep x 111 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	517 E EXCHANGE ST
City	SPRING LAKE
State	MI
Zip	49456-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR-B
Legal Description	LOT 9 BLK 1 ALOYS BILZ'S ADD TO VILLAGE OF SPRING LAKE
Legal Range	16W
Legal Township	5N
Legal Section	15
Legal Subdivision	ALOYS BILZS ADD
Legal Block	1
Legal Lot Number	9
Jurisdiction	OTTAWA MI
Township / Civil Division	SPRING LAKE
Census Block Group	3
Census Block	3011
Census Tract	21100

Owner

Source: Ottawa County records, as of October 12, 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 Record
Mailing Address	517 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	202042890
Prior Transfer Date	May 21, 2003
Prior Transfer Doc	4302000985
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Oct 1, 2020
Property Address	517 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Document Number	20200042890
Map Reference	LB 3 PG 7
Instrument Date	Sep 28, 2020
Instrument	2020-0042890
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$1,965.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	627 PARKVIEW AVE, 627, SPRING LAKE, MI 49456-1787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E EXCHANGE ST, SPRING LAKE, MI 49456-1903

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 1, 2017
Property Address	517 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Document Number	20170028232
Map Reference	LB3 PG7
Instrument Date	Jul 18, 2017
Instrument	2017-0028232
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,857.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16510 W WILLOW DR, 16510, SPRING LAKE, MI 49456-1073

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 E EXCHANGE ST, SPRING LAKE, MI 49456-1903

Mortgage

Document Number	20170028233
Date	Aug 1, 2017
Instrument	2017-0028233

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 12, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,900 (+12.06%)	$239,800 (+12.06%)
2025	$4,111.00 (+16.26%)
2023		$107,000	$214,000
2022	$3,536.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRING LAKE TOWNSHIP serves 9,393 people · EPA ID MI0006235
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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