203 S Division St, Whitehall, MI 49461 Property Records

Muskegon County property record for 203 S Division St, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,606 sqft
Lot Size	0.341 acres (14,854 sqft)
Owner	Company Name on Record
Tax Bill	$3,435 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22220021000100`

Property Details

APN / Parcel Number

Primary APN	`22220021000100`
Alternative APN	`61-22-220-021-0001-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	2,606 sqft Living Area
1st Floor Area	1,824 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	14,854 sqft (0.341 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	203 S DIVISION ST
City	WHITEHALL
State	MI
Zip	49461-1029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 RES
Legal Description	W-0429 CITY OF WHITEHALL LOT 1 & N 1/2 OF LOT 2 BLK 21
Legal Subdivision	CITY OF WHITEHALL
Legal Block	21
Legal Lot Number	1-2
Jurisdiction	MUSKEGON MI
Township / Civil Division	WHITEHALL
Census Block Group	1
Census Block	1038
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	Company Name on Record
Mailing Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Line of Credit WEST SHORE BANK
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST SHORE BANK
Apr 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WEST SHORE BANK
Mar 22, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 21, 2022
Transfer Doc	004292/997
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029

Mortgage

Document Number	004405/368
Date	Jan 5, 2026
Book Page	4405/368
Instrument	5870894

Lender

Name	WEST SHORE BANK
Type	Bank
Address	HART, MI 49420

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004260/934
Date	May 10, 2021
Book Page	4260/934
Instrument	5726597

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S DNISION ST, WHITEHALL, MI 49461

Mortgage

Document Number	004328/191
Date	Apr 20, 2023
Book Page	4328/191
Instrument	5793786

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Apr 11, 2030

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Mar 22, 2022
Property Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029
Document Number	004292/997
Book / Page	4292 / 997
Instrument Date	Mar 21, 2022
Instrument	5758628
Transaction Type	Transfer
Record Updated	Jun 13, 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
Relationship	Family Revocable Trust
Address	203 S DIVISION ST, WHITEHALL, MI 49461-1029

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		$149,100 (+12.7%)	$298,200 (+12.7%)
2025	$3,435.00 (-1.63%) Homeowner's exemption	$132,300	$264,600
2024	$3,492.00

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 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	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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