312 E Colby St, Whitehall, MI 49461 Property Records

Muskegon County property record for 312 E Colby St, Whitehall, MI 49461

Property Summary

Property Type	Commercial
Details	2,232 sqft · built 1998
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,660 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22220012000500`

Property Details

APN / Parcel Number

Primary APN	`22220012000500`
Alternative APN	`61-22-220-012-0005-00`

Interior

Total Rooms	1 Room
Units	2 Units
Stories	1 Story
Building Area	2,232 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	9,888 sqft (0.227 acres)

Location & Zoning

Street Address	312 E COLBY ST
City	WHITEHALL
State	MI
Zip	49461-2003
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RC-1 RE
Legal Description	W-0307 CITY OF WHITEHALL E 1/2 OF LOTS 5 & 6 BLK 12
Legal Subdivision	CITY OF WHITEHALL
Legal Block	12
Legal Lot Number	5-6
Jurisdiction	MUSKEGON MI
Township / Civil Division	WHITEHALL
Census Block Group	1
Census Block	1017
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	2 Individual Names on Record
Mailing Address	312 E COLBY ST, B, WHITEHALL, MI 49461-2003
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Jan 7, 2021	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2014
Deed Sale	May 13, 2014
Deed Document Number	20145487952
Deed Book / Page	4022 / 60
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	312 E COLBY ST, WHITEHALL, MI 49461-2003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005594285
Date	Jul 12, 2017
Book Page	4128/496
Instrument	5594285

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	312 E COLBY ST, WHITEHALL, MI 49461-2003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005710018
Date	Jan 7, 2021
Book Page	4244/340
Instrument	5710018

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$100,400 (+6.02%)	$200,800 (+6.02%)
2025	$5,660.00	$94,700	$189,400

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	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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