223 E Colby St, Whitehall, MI 49461 Property Records

Muskegon County property record for 223 E Colby St, Whitehall, MI 49461

Property Summary

Property Type	Commercial
Details	2,612 sqft · built 1900
Lot Size	0.256 acres (11,151 sqft)
Owner	Company Name on Record
Tax Bill	$5,917 (2025)
Deeds & Mortgages	May 2023 Mortgage Aug 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`61-22-220-015-0011-20`

Property Details

APN / Parcel Number

Primary APN	`61-22-220-015-0011-20`
Alternative APN	`22220015001120`

Interior

Total Rooms	1 Room
Stories	1 Story
Building Area	2,612 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	11,151 sqft (0.256 acres)

Location & Zoning

Street Address	223 E COLBY ST
City	WHITEHALL
State	MI
Zip	49461-1016
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RC-1 RE
Legal Description	W-0351 CITY OF WHITEHALL LOTS 11 & 12 EXC W 72 FT BLK 15
Legal Subdivision	CITY OF WHITEHALL
Legal Block	15
Legal Lot Number	11-12
Jurisdiction	MUSKEGON MI
Township / Civil Division	WHITEHALL
Census Block Group	1
Census Block	1030
Census Tract	3702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	7029 W CLAY RD, NEW ERA, MI 49446-8041
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage WEST SHORE BANK
Aug 5, 2022	Warranty Deed, Transfer
Oct 22, 2021	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Jul 16, 2018	Deed of Trust, Mortgage · Line of Credit ESSEX BRUCE J JR TRUST (PT)
Oct 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	223 E COLBY ST, WHITEHALL, MI 49461-1016
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004330/544
Date	May 22, 2023
Book Page	4330/544
Instrument	5796138

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Commercial Mortgage

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Aug 5, 2022
Property Address	223 E COLBY ST, WHITEHALL, MI 49461-1016
Document Number	004307/399
Book / Page	4307 / 399
Map Reference	LB 1 PG 7
Instrument Date	Aug 5, 2022
Instrument	5773015
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 W WEBSTER AVE, 221, MUSKEGON, MI 49440-1294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7029 W CLAY ROAD, MUSKEGON, MI 49440-1507

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	223 E COLBY ST, WHITEHALL, MI 49461-1016
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4278/302
Date	Oct 22, 2021
Book Page	4278/302
Instrument	5743947

Lender

Name	CHOICEONE BANK
Type	Bank
Address	MUSKEGON, MI 49441

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	223 E COLBY ST, WHITEHALL, MI 49461-1016
Document Number	0005628502
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1111 W WESTERN AVE MUSKEGON MI 49441, MUSKEGON, MI 49441

Mortgage

Document Number	0005628502
Date	Jul 23, 2018
Book Page	004162/000744
Instrument	5628502

Lender

Name	ESSEX BRUCE J JR TRUST (PT)
Address	18777 N FRUITPORT RD, SPRING LAKE, MI 49456-3010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Oct 16, 2017
Property Address	223 E COLBY ST, WHITEHALL, MI 49461-1016
Document Number	0005602291
Book / Page	004136 / 000509
Instrument Date	Oct 12, 2017
Instrument	5602291
Transaction Type	Transfer
Record Updated	Dec 8, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	111 W WESTERN AVE MUSKEGON MI 494421084, MUSKEGON, MI 49442-1084

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		$104,700 (+5.76%)	$209,400 (+5.76%)
2025	$5,917.00	$99,000	$198,000

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 99.8% of the US · lower than 99.9% of Michigan
Wildfire Likelihood	Under 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.

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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