Newaygo County property record for 388 S Elm Ave, White Cloud, MI 49349
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.46 acres (63,598 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,840 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-04-100-002 |
| Primary APN | 16-04-100-002 |
|---|
| Lot Area | 63,598 sqft (1.46 acres) |
|---|
| Heating System | Forced Air with A/C |
|---|
| Street Address | 388 S ELM AVE |
|---|---|
| City | WHITE CLOUD |
| State | MI |
| Zip | 49349-9165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOCAL ZONE |
| Legal Description | PARCEL IN SW COR NW 1/4 190 FT E & W BY 344 FT N & S SEC 4, T13N R11W |
| Legal Range | 11W |
| Legal Township | 13N |
| Legal Section | 04 |
| Jurisdiction | NEWAYGO MI |
| Township / Civil Division | BIG PRAIRIE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 970800 |
388 S Elm Ave is owned and occupied by two individuals.
Source: Newaygo County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 964 S CYPRESS AVE, WHITE CLOUD, MI 49349-9164 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 21, 2017 | Deed of Trust, Mortgage INDEPENDENT BANK |
| Jul 21, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWAYGO MI |
| Property Address | 388 S ELM AVE, WHITE CLOUD, MI 49349-9165 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000466/0000003877 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 0000000466/0000003877 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NEWAYGO MI |
| Recording Date | Jul 21, 2017 |
| Property Address | 388 S ELM AVE, WHITE CLOUD, MI 49349-9165 |
| Document Number | 466/3875 |
| Book / Page | 466 / 3875 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 964 S CYPRESS AVE, WHITE CLOUD, MI 49349-9164 |
The 2025 property tax bill for 388 S Elm Ave was $1,840 with a homeowner's exemption.
Source: Newaygo County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Newaygo County |
| County Subdivision | Big Prairie Township |
| Unified School District | White Cloud Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,800 | $179,600 | |
| 2025 | $1,840.00 | ||
| 2023 | $68,700 | $137,400 | |
| 2022 | $1,655.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 388 S Elm Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 17, 2015
| 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 risk around 388 S Elm Ave is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Point Broadband Fixed Wireless | 100 / 20 |
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