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

Ottawa County property record for 528 E Exchange St, Spring Lake, MI 49456 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,299 sqft · built 1950
Lot Size0.181 acres (7,884 sqft)
OwnerIndividual Name on File
Last Sale$295,500 (May 2023)
Tax Bill$5,712 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Apr 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN70-03-15-482-008

Property Details

APN / Parcel Number

Primary APN70-03-15-482-008

Interior

Bedrooms3 Beds
Full Baths1 Bath
Building Area1,299 sqft Living Area
1st Floor Area908 sqft
Basement Area908 sqft
Unfinished Basement908 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Lot Area7,884 sqft (0.181 acres)
Lot Dimensions127 ft deep x 62 ft wide
Garage Area384 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address528 E EXCHANGE ST
CitySPRING LAKE
StateMI
Zip49456-1904
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 11 BLK 2 ALOYS BILZ'S ADD TO VILLAGE OF SPRING LAKE
Legal Range16W
Legal Township5N
Legal Section15
Legal SubdivisionALOYS BILZS ADD
Legal Block2
Legal Lot Number11
JurisdictionOTTAWA MI
Township / Civil DivisionSPRING LAKE
Census Block Group3
Census Block3016
Census Tract21100

Owner

Source: Ottawa County records · APN 70-03-15-482-008

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 Address528 E EXCHANGE ST, SPRING LAKE, MI 49456-1904
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 19, 2023Warranty Deed, Transfer · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK
Apr 11, 2017Deed of Trust, Mortgage · Conventional Mortgage
LAKE MICHIGAN CU
Apr 11, 2017Warranty Deed, Transfer
E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 19, 2023 · Amount on Record
Deed SaleMay 19, 2023 · Amount on Record
Prior SaleApr 11, 2017 · Amount on Record
Deed Document Number202312358
Prior Transfer DateSep 20, 2013
Prior Transfer Doc20130043126
Record UpdatedSep 20, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA MI
Recording DateMay 19, 2023
Property Address528 E EXCHANGE ST, SPRING LAKE, MI 49456-1904
Document Number20230012358
Map ReferenceLB 3 PG 7
Instrument DateMay 18, 2023
Instrument2023-0012358
Transaction TypeTransfer
Record UpdatedJun 06, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,216.25
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address528 E EXCHANGE ST, SPRING LAKE, MI 49456-1904

Transferred To (Grantee/Buyer)

NameVerified Name
Address2159 KINNROW NW AVE, WALKER, MI 49534-1277

Mortgage

Document Number20230012359
DateMay 19, 2023
Instrument2023-0012359
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueJun 01, 2043

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTTAWA MI
Property Address528 E EXCHANGE ST, SPRING LAKE, MI 49456-1904
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number20170012621
DateApr 11, 2017
Instrument2017-0012621
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2047

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA MI
Recording DateApr 11, 2017
Property Address528 E EXCHANGE ST, SPRING LAKE, MI 49456-1904
Document Number20170012571
Map ReferenceLB3 PG7
Instrument DateMar 31, 2017
Instrument2017-0012571
Transaction TypeTransfer
Record UpdatedAug 19, 2021
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
Tax$1,410.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address528 E EXCHANGE ST, 528, SPRING LAKE, MI 49456-1904

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 E EXCHANGE ST, SPRING LAKE, MI 49456-1904

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$135,200 (-2.38%)$270,400 (-2.38%)
2025$5,712.00 (+100.91%) Homeowner's exemption$138,500 (+21.7%)$277,000 (+21.7%)
2023$113,800$227,600
2022$2,843.00

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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