Muskegon County property record for 1157 Spruce Pt, Whitehall, MI 49461
| Property Type | Condominium |
|---|---|
| Details | 2 ba · 1,173 sqft · built 2022 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Jun 2026) |
| Tax Bill | $4,803 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Mar 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22232000000900 |
| Primary APN | 22232000000900 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,173 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood Siding |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1157 SPRUCE PT |
|---|---|
| City | WHITEHALL |
| State | MI |
| Zip | 49461-1445 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R-1 RES |
| Legal Description | CITY OF WHITEHALL EVERGREEN ESTATES CONDOMINIUM UNIT 9 |
| Legal Subdivision | CITY OF WHITEHALL |
| Jurisdiction | MUSKEGON MI |
| Township / Civil Division | WHITEHALL |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 3702 |
Source: Muskegon County records, as of July 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2312 CHELSEA LN, 303, TRAVERSE CITY, MI 49685-8841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Apr 26, 2022 | Deed of Trust, Mortgage · Construction Mortgage CHOICEONE BANK |
| Mar 3, 2026 | Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK |
| Jun 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Oct 22, 2025 | Intrafamily Transfer, Transfer |
| Oct 10, 2023 | Intrafamily Transfer, Transfer |
| Sep 6, 2022 | Warranty Deed, Subdivision Related Transfer ATA NATIONAL TITLE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2026 · Amount on Record |
| Deed Sale | Jun 8, 2026 · Amount on Record |
| Prior Sale | Sep 6, 2022 · Amount on Record |
| Deed Document Number | 20265885631 |
| Deed Book / Page | 4420 / 121 |
| Prior Transfer Date | Jan 24, 2025 |
| Prior Transfer Doc | 004375/916 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Property Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 004298/515 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 4298/515 |
| Instrument | 5764140 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, MI 49345 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Property Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Document Number | 004409/520 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 4409/520 |
| Instrument | 5875042 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, MI 49345 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Feb 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Recording Date | Jun 8, 2026 |
| Property Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Document Number | 0005885631 |
| Book / Page | 4420 / 121 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 20265885631 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NATIONAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304,010.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0005885632, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 20265885632 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Recording Date | Oct 22, 2025 |
| Property Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Document Number | 004399/780 |
| Book / Page | 4399 / 780 |
| Instrument Date | Jun 10, 2025 |
| Instrument | 5865312 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2481 E BROADWAY AVE, MUSKEGON, MI 49444-2611 |
| Name | Verified Name |
|---|---|
| Address | 2481 E BROADWAY AVENUE, WHITEHALL, MI 49461 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Recording Date | Oct 10, 2023 |
| Property Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Document Number | 004340/524 |
| Book / Page | 4340 / 524 |
| Map Reference | LB 3581 PG 951 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 5806109 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Recording Date | Sep 6, 2022 |
| Property Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
| Document Number | 004309/646 |
| Book / Page | 4309 / 646 |
| Map Reference | LB 3581 PG 951 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 5775260 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 21, 2022 |
| Title Company | ATA NATIONAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11625 SHERMAN AVE, 11625, RAVENNA, MI 49451-8833 |
| Name | Verified Name |
|---|---|
| Address | 1157 SPRUCE PT, WHITEHALL, MI 49461-1445 |
Source: Muskegon County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Muskegon County |
| Municipality | Whitehall City |
| Unified School District | Whitehall School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $127,900 (+5.53%) | $255,800 (+5.53%) | |
| 2025 | $4,803.00 (-1.6%) | $121,200 (+14.99%) | $242,400 (+14.99%) |
| 2024 | $4,881.00 (+1,444.62%) | ||
| 2023 | $105,400 | $210,800 | |
| 2022 | $316.00 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 63 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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