108 W Colby St, Whitehall, MI 49461 Property Records

Muskegon County property record for 108 W Colby St, Whitehall, MI 49461

Property Summary

Property Type	Commercial
Details	1,288 sqft · built 1928
Lot Size	0.057 acres (2,483 sqft)
Owner	Company Name on File
Last Sale	$137,500 (Dec 2019)
Tax Bill	$2,468 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61-22-220-009-0005-20`

Property Details

APN / Parcel Number

Primary APN	`61-22-220-009-0005-20`
Alternative APN	`22220009000520`

Interior

Total Rooms	1 Room
Stories	1 Story
Building Area	1,288 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	2,483 sqft (0.057 acres)

Location & Zoning

Street Address	108 W COLBY ST
City	WHITEHALL
State	MI
Zip	49461-1015
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B-2 CEN
Legal Description	W-0268 CITY OF WHITEHALL BEG AT A PT ON N LINE OF COLBY ST 90 FT W OF SE COR OF LOT 5 BLK 9 RNG TH N PAR WITH MEARS AVE 8
Legal Subdivision	CITY OF WHITEHALL
Legal Block	9
Legal Lot Number	5
Jurisdiction	MUSKEGON MI
Township / Civil Division	WHITEHALL
Census Block Group	1
Census Block	1013
Census Tract	3702

Owner

108 W Colby St, a commercial property, is owned by a company that bought it in December 2019.

Source: Muskegon County records, as of July 27, 2026

Owner of Record	Company Name on File
Mailing Address	4358 FRUITVALE RD, MONTAGUE, MI 49437-9522
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Dec 2, 2019	Warranty Deed, Transfer · Line of Credit THE SHELBY STATE BANK
Dec 2, 2019	Warranty Deed, Transfer CHICAGO TITLE/MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2019 · Amount on File
Deed Sale	Dec 2, 2019 · Amount on File
Prior Sale	Dec 2, 2019 · Amount on File
Deed Document Number	20195671935
Deed Book / Page	4206 / 219
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	108 W COLBY ST, WHITEHALL, MI 49461-1015
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004301/806
Date	Jun 2, 2022
Book Page	4301/806
Instrument	5767428

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Dec 2, 2019
Property Address	108 W COLBY ST, WHITEHALL, MI 49461-1015
Document Number	4206/219
Book / Page	4206 / 219
Map Reference	LB 1 PG 7
Instrument Date	Nov 8, 2019
Instrument	5671935
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1360 E BIGELOW CREEK TRL, 1360, NEWAYGO, MI 49337-8062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9802 SUNNYMEADE LN, CARMEL, IN 46280-1862

Mortgage

Document Number	0005671936
Date	Dec 2, 2019
Book Page	4206/220
Instrument	5671936

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Dec 2, 2019
Property Address	108 W COLBY ST, WHITEHALL, MI 49461-1015
Document Number	0005671934
Book / Page	004206 / 000218
Instrument Date	Jun 3, 2019
Instrument	5671934
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	CHICAGO TITLE/MI

Transaction

Amount	Amount on Record
Tax	$860.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1360 E BIGELOW CREEK TRL NEWAYGO MI 493378062, NEWAYGO, MI 49337-8062

Tax Assessment & Valuation

The 2025 property tax bill for 108 W Colby St was $2,468.

Source: Muskegon County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
Municipality	Whitehall City
Unified School District	Whitehall School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,000 (+6.54%)	$88,000 (+6.54%)
2025	$2,468.00	$41,300	$82,600

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

FEMA maps place 108 W Colby St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 108 W Colby St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	WHITEHALL serves 2,902 people · EPA ID MI0007100
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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