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

Ottawa County property record for 521 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1953
Lot Size	0.188 acres (8,189 sqft)
Owner	Company Name on Record
Tax Bill	$2,388 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-480-019`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-480-019`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	8,189 sqft (0.188 acres)
Lot Dimensions	147 ft deep x 111 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	521 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	S 147 FT OF LOT 10 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	10
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	Company Name on Record
Mailing Address	521 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Intrafamily Transfer, Transfer
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 21, 2024
Transfer Doc	20240006482
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Mar 21, 2024
Property Address	521 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Document Number	20240006482
Map Reference	LB 3 PG 7
Instrument Date	Mar 21, 2024
Instrument	2024-0006482
Transaction Type	Transfer
Record Updated	Apr 4, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E EXCHANGE ST, SPRING LAKE, MI 49456-1903

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA MI
Property Address	521 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200011932
Date	Mar 27, 2020
Instrument	2020-0011932

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$111,400 (+5.49%)	$222,800 (+5.49%)
2025	$2,388.00 (+16.26%)
2023		$105,600	$211,200
2022	$2,054.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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