3824 Jay Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 3824 Jay Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1987
Lot Size	2.06 acres (89,734 sqft)
Owner	Individual Name on Record
Tax Bill	$2,277 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61-06-120-400-0006-10`

Property Details

APN / Parcel Number

Primary APN	`61-06-120-400-0006-10`
Alternative APN	`06120400000610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Lot Area	89,734 sqft (2.06 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	648 sqft
Porch	Covered Porch

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3824 JAY RD
City	WHITEHALL
State	MI
Zip	49461-9746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	FRUITLAND TOWNSHIP SEC 20 T11N R17W S 330 FT OF W 1/4 OF SW 1/4 OF SE 1/4
Legal Range	17W
Legal Township	11N
Legal Section	20
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2016
Census Tract	3500

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	Individual Name on Record
Mailing Address	3824 JAY RD, WHITEHALL, MI 49461-9746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage MMS MORTGAGE SERVICES LTD
May 15, 2023	Deed of Trust, Mortgage · Line of Credit HARBORLIGHT CU
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage HARBORLIGHT CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3824 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3824 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number	004408/108
Date	Feb 11, 2026
Book Page	4408/108
Instrument	5873631

Lender

Name	MMS MORTGAGE SERVICES LTD
Type	Mortgage Company
Address	FARMINGTON, MI 48331

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3824 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3824 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number	004329/973
Date	May 15, 2023
Book Page	4329/973
Instrument	5795567

Lender

Name	HARBORLIGHT CU
Type	Credit Union
Address	WHITEHALL, MI 49461

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3824 JAY RD, WHITEHALL, MI 49461-9746
Document Number	0005675381
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3824 JAY RD WHITEHALL MI 494619746, WHITEHALL, MI 49461-9746

Mortgage

Document Number	0005675381
Date	Jan 10, 2020
Book Page	004209/000668
Instrument	5675381

Lender

Name	HARBORLIGHT CU
Type	Credit Union
Address	WHITEHALL, MI 49461-1848

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 9, 2035

Tax Assessment & Valuation

Source: Muskegon County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
County Subdivision	Fruitland Township
Unified School District	Whitehall School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,900 (+8.58%)	$313,800 (+8.58%)
2025	$2,277.00 Homeowner's exemption	$144,500	$289,000

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

FEMA Flood Zone	Zone X minimal risk
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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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