1125 Warner St, Whitehall, MI 49461 Property Records

Muskegon County property record for 1125 Warner St, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 1990
Lot Size	0.542 acres (23,610 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Apr 2026)
Tax Bill	$4,541 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`61-22-034-100-0022-20`

Property Details

APN / Parcel Number

Primary APN	`61-22-034-100-0022-20`
Alternative APN	`22034100002220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
1st Floor Area	1,648 sqft
Basement Area	1,648 sqft
Unfinished Basement	1,648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Lot Area	23,610 sqft (0.542 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1125 WARNER ST
City	WHITEHALL
State	MI
Zip	49461-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 RES
Legal Description	W-739-CB CITY OF WHITEHALL COM AT NW SEC COR TH S 1 DEG 14' 24 W 1137.13 FT TH S86 DEG 39' 50 E 40.03 FT TO E LN OF WARNE
Legal Subdivision	CITY OF WHITEHALL
Jurisdiction	MUSKEGON MI
Township / Civil Division	WHITEHALL
Census Block Group	3
Census Block	3009
Census Tract	3702

Owner

Source: Muskegon County records, as of June 30, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1125 WARNER ST, WHITEHALL, MI 49461-1820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 15, 2026	Warranty Deed, Transfer · FHA Mortgage MMS MORTGAGE SERVICES LTD
Jan 6, 2022	Warranty Deed, Transfer · Conventional Mortgage WEST SHORE BANK
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage HARBORLIGHT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Jan 6, 2022 · Amount on File
Deed Document Number	20265881509
Deed Book / Page	4415 / 994
Prior Transfer Date	Jan 14, 2008
Prior Transfer Doc	0005267548
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1125 WARNER ST, WHITEHALL, MI 49461-1820
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 WARNER ST, WHITEHALL, MI 49461-1820

Mortgage

Document Number	004385/730
Date	May 2, 2025
Book Page	4385/730
Instrument	5851276

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Apr 15, 2026
Property Address	1125 WARNER ST, WHITEHALL, MI 49461-1820
Document Number	0005881509
Book / Page	4415 / 994
Instrument Date	Apr 13, 2026
Instrument	2026.5881509
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290,981.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 WARNER ST, WHITEHALL, MI 49461-1820

Mortgage

Document Number	0005881509,
Date	Apr 15, 2026
Book Page	4415/995
Instrument	2026.5881509

Lender

Name	MMS MORTGAGE SERVICES LTD

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jan 6, 2022
Property Address	1125 WARNER ST, WHITEHALL, MI 49461-1820
Document Number	004285/548
Book / Page	4285 / 548
Instrument Date	Dec 23, 2021
Instrument	5751186
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,987.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1125 WARNER ST, 1125, WHITEHALL, MI 49461-1820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 ANDERSON ST, LUDINGTON, MI 49431-1868

Mortgage

Document Number	0004285549
Date	Jan 6, 2022
Instrument	4285/549

Lender

Name	WEST SHORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1125 WARNER ST, WHITEHALL, MI 49461-1820
Document Number	0005657044
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 WARNER ST WHITEHALL MI 494611820, WHITEHALL, MI 49461-1820

Mortgage

Document Number	0005657044
Date	Jun 4, 2019
Book Page	004191/000313
Instrument	5657044

Lender

Name	HARBORLIGHT CU
Type	Credit Union
Address	WHITEHALL, MI 49461

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

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		$144,000 (+9.92%)	$288,000 (+9.92%)
2025	$4,541.00 (-1.6%) Homeowner's exemption	$131,000	$262,000
2024	$4,615.00

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 6, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile.

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