1435 E James St, White Cloud, MI 49349 Property Records

Newaygo County property record for 1435 E James St, White Cloud, MI 49349

Property Summary

Property Type	Single Family Home
Lot Size	0.481 acres (20,979 sqft)
Owner	Individual Name on File
Last Sale	$64,000 (Feb 2018)
Tax Bill	$1,351 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`15-05-276-012`

Property Details

APN / Parcel Number

Primary APN	`15-05-276-012`

Exterior

Lot Area	20,979 sqft (0.481 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1435 E JAMES ST
City	WHITE CLOUD
State	MI
Zip	49349-9323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOCAL ZONE
Legal Description	PART OF SW 1/4 SE 1/4 NE 1/4 COM AT NE COR THEREOF, TH S 89D 00' 30W 75 FT, S 00D 17'W 304.7 FT TO N LINE OF JAMES ST,
Legal Range	12W
Legal Township	13N
Legal Section	05
Jurisdiction	NEWAYGO MI
Township / Civil Division	WHITE CLOUD
Census Block Group	2
Census Block	2034
Census Tract	970700

Owner

Source: Newaygo County assessment roll, as of July 13, 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 File
Mailing Address	1435 E JAMES ST, WHITE CLOUD, MI 49349-9323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2018	Deed of Trust, Mortgage VANDYK MORTGAGE CORPORATION
Feb 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 1, 2018 · Amount on Record
Deed Sale	Feb 1, 2018 · Amount on Record
Prior Sale	Jun 9, 2006 · Amount on Record
Deed Book / Page	468 / 7218
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWAYGO MI
Property Address	1435 E JAMES ST, WHITE CLOUD, MI 49349-9323
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000468/0000007220
Date	Feb 1, 2018
Book Page	0000000468/0000007220

Lender

Name	VANDYK MORTGAGE CORPORATION

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWAYGO MI
Recording Date	Feb 1, 2018
Property Address	1435 E JAMES ST, WHITE CLOUD, MI 49349-9323
Document Number	468/7218
Book / Page	468 / 7218
Instrument Date	Jan 25, 2018
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 E JAMES ST, WHITE CLOUD, MI 49349-9323

Tax Assessment & Valuation

Source: Newaygo County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Newaygo County
Municipality	White Cloud City
Unified School District	White Cloud Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,800 (+36.79%)	$105,600 (+36.79%)
2025	$1,351.00 (+10.2%)
2023		$38,600	$77,200
2022	$1,226.00

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 February 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITE CLOUD serves 1,408 people · EPA ID MI0007060
Water Source	Groundwater
Last State Inspection	Sep 2022

Violations Reported to EPA

Water Quality	None last 10 years
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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Broadband Fixed Wireless	150 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Newaygo County Regional Educational Service Agency.

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