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3909 Jay Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 3909 Jay Rd, Whitehall, MI 49461 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,562 sqft · built 1989
Lot Size9.5 acres (413,820 sqft)
Owner2 Individual Names on File
Tax Bill$3,411 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN61-06-120-300-0013-20

Property Details

APN / Parcel Number

Primary APN61-06-120-300-0013-20
Alternative APN
  • 06120300001320

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories2 Stories
Building Area2,562 sqft Living Area
1st Floor Area1,396 sqft
Basement Area1,088 sqft
Unfinished Basement1,088 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Lot Area413,820 sqft (9.5 acres)
Garage Area1,872 sqft
Parking Spaces7 Parking Spaces
Deck Area70 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerSeptic
Water SourceWell

Location & Zoning

Street Address3909 JAY RD
CityWHITEHALL
StateMI
Zip49461-9746
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFRUITLAND TOWNSHIP SEC 20 T11N R17W S 1/2 OF NE 1/4 OF SE 1/4 OF SW 1/4 & N 1/2 OF SE 1/4 OF SE 1/4 OF SW 1/4
Legal Range17W
Legal Township11N
Legal Section20
JurisdictionMUSKEGON MI
Township / Civil DivisionFRUITLAND
Census Block Group2
Census Block2015
Census Tract3500

Owner

Source: Muskegon County records · APN 61-06-120-300-0013-20

Assessment roll updated June 30, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address3909 JAY RD, WHITEHALL, MI 49461-9746
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMUSKEGON MI
Recording DateJul 20, 2026
Property Address3909 JAY RD, WHITEHALL, MI 49461-9746
Document Number0005889226
Book / Page4423 / 719
Instrument DateJul 17, 2026
Instrument20265889226
Transaction TypeTransfer
Record UpdatedAug 04, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE OF MICHIGAN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$534,189.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number0005889226,
DateJul 20, 2026
Book Page4423/720
Instrument20265889226
Lender
NameJPMORGAN CHASE BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueAug 01, 2046
Interest
Rate TypeFixed Rate
Rate6.48%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Muskegon County records · Assessment roll updated June 30, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMichigan
CountyMuskegon County
County SubdivisionFruitland Township
Unified School DistrictWhitehall School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$250,400 (+6.96%)$500,800 (+6.96%)
2025$3,411.00 Homeowner's exemption$234,100$468,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Muskegon County (26121C), updated October 6, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261210035002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 52% of Michigan
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 30 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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