3966 Orshal Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 3966 Orshal Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,620 sqft · built 1991
Lot Size	2.37 acres (103,455 sqft)
Owner	Trust Name on File
Last Sale	$62,000 (Aug 2016)
Tax Bill	$1,739 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06462000000200`

Property Details

APN / Parcel Number

Primary APN	`06462000000200`
Alternative APN	`61-06-462-000-0002-00`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2006
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	103,455 sqft (2.37 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3966 ORSHAL RD
City	WHITEHALL
State	MI
Zip	49461-9770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	FRUITLAND TOWNSHIP OAK TERRACE SUB LOT 2
Legal Range	18W
Legal Township	11N
Legal Section	62
Legal Subdivision	OAK TERRACE
Legal Lot Number	2
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	3
Census Block	3020
Census Tract	3500

Owner

3966 Orshal Rd is owner-occupied and held in a trust since August 2016.

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

Owner of Record	Trust Name on File
Mailing Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit THE SHELBY STATE BANK
Jul 9, 2025	Intrafamily Transfer, Transfer
Aug 13, 2019	Deed of Trust, Mortgage · Line of Credit SHELBY ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2016 · Amount on File
Deed Sale	Aug 9, 2016 · Amount on File
Prior Sale	Mar 10, 2006 · Amount on File
Deed Document Number	20165561659
Deed Book / Page	4095 / 837
Prior Transfer Date	Aug 28, 2008
Prior Transfer Doc	0005291099
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770

Mortgage

Document Number	004404/478
Date	Dec 19, 2025
Book Page	4404/478
Instrument	5870005

Lender

Name	THE SHELBY STATE BANK
Type	Bank
Address	MONTAGUE, MI 49437

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Jul 9, 2025
Property Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770
Document Number	004390/894
Book / Page	4390 / 894
Map Reference	LB 12 PG 47
Instrument Date	Jun 17, 2025
Instrument	5856435
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3966 ORSHAL RD, WHITEHALL, MI 49461-9770
Document Number	0005665525
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	LIGHTHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3966 ORSHAL RD WHITEHALL MI 494619770, WHITEHALL, MI 49461-9770

Mortgage

Document Number	0005665525
Date	Sep 16, 2019
Book Page	004199/000802
Instrument	5665525

Lender

Name	SHELBY ST BK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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	Reeths-Puffer Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,000 (+5.78%)	$194,000 (+5.78%)
2025	Homeowner's exemption	$91,700	$183,400
2024	$1,739.00

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

Flood

FEMA maps place 3966 Orshal Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3966 Orshal Rd is low, with a 0.01% 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	0.01% 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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