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

Ottawa County property record for 531 E Exchange St, Spring Lake, MI 49456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,145 sqft · built 1940
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Apr 2021)
Tax Bill	$4,435 (2025)
Deeds & Mortgages	Jul 2023 Transfer Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-03-15-480-022`

Property Details

APN / Parcel Number

Primary APN	`70-03-15-480-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,145 sqft Living Area
1st Floor Area	682 sqft
Basement Area	682 sqft
Unfinished Basement	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	92 ft deep x 55 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	531 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 KOSTER'S ASSESSOR'S PLAT NO 1 OF PART OF US GOVT LOT 8 SEC 15 T8N R16W VILLAGE OF SPRING LAKE
Legal Range	16W
Legal Township	08N
Legal Section	15
Legal Subdivision	S PLAT
Legal Block	480
Legal Lot Number	8-9
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 July 21, 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	531 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Intrafamily Transfer, Transfer
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHERN MORTGAGE SERVICES LLC
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Jun 13, 2013 · Amount on Record
Deed Document Number	202120995
Prior Transfer Date	Mar 26, 2013
Prior Transfer Doc	20130014718
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA MI
Recording Date	Jul 19, 2023
Property Address	531 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Document Number	20230017795
Map Reference	LB 8 PG 77
Instrument Date	Jul 18, 2023
Instrument	2023-0017795
Transaction Type	Transfer
Record Updated	Aug 4, 2023

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	531 E EXCHANGE ST, SPRING LAKE, MI 49456-1903

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Apr 19, 2021
Property Address	531 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Document Number	20210020995
Map Reference	LB 8 PG 77
Instrument Date	Apr 8, 2021
Instrument	2021-0020995
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	BRIDGE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	531 E EXCHANGE ST, 531, SPRING LAKE, MI 49456-1903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 LAFAYETTE AVE NE, GRAND RAPIDS, MI 49503-5614

Mortgage

Document Number	20210020996
Date	Apr 19, 2021
Instrument	2021-0020996

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA MI
Recording Date	Aug 14, 2018
Property Address	531 E EXCHANGE ST, SPRING LAKE, MI 49456-1903
Document Number	20180028568
Map Reference	LB8 PG77
Instrument Date	Aug 13, 2018
Instrument	2018-0028568
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	531 E EXCHANGE ST, 531, SPRING LAKE, MI 49456-1903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 W ROOSEVELT AVE, ZEELAND, MI 49464-1132

Mortgage

Document Number	20180028569
Date	Aug 14, 2018
Instrument	2018-0028569

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of July 21, 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		$124,900 (+5.4%)	$249,800 (+5.4%)
2025	$4,435.00 (+16.25%)
2023		$118,500	$237,000
2022	$3,815.00

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.

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