398 S Bingham Dr, White Cloud, MI 49349 Property Records

Newaygo County property record for 398 S Bingham Dr, White Cloud, MI 49349

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 2018
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on Record
Last Sale	$17,800 (Jan 2018)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`14-03-100-015`

Property Details

APN / Parcel Number

Primary APN	`14-03-100-015`

Interior

Full Baths	1 Bath
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	219,978 sqft (5.05 acres)
Garage Area	360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	398 S BINGHAM AVE
City	WHITE CLOUD
State	MI
Zip	49349-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOCAL ZONE
Legal Description	PT SW 1/4 NW 1/4 N89D03'11E 735.21 FT FR W 1/4 COR POB, TH NW'LY ALG A 500 FT RADIUS CURVE TO THE LEFT, AN ARC DISTANC
Legal Range	13W
Legal Township	13N
Legal Section	03
Jurisdiction	NEWAYGO MI
Township / Civil Division	SHERMAN
Census Block Group	2
Census Block	2094
Census Tract	970300

Owner

Source: Newaygo County records, as of October 20, 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	398 S BINGHAM AVE, WHITE CLOUD, MI 49349-9539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2018	Deed of Trust, Mortgage · FHA Mortgage GERBER FCU
Jan 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2018 · Amount on Record
Deed Sale	Jan 24, 2018 · Amount on Record
Prior Sale	Jan 16, 2018 · Amount on Record
Deed Book / Page	468 / 6298
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWAYGO MI
Property Address	398 S BINGHAM DR, WHITE CLOUD, MI 49349-9539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	472/2745
Date	Dec 14, 2018
Book Page	472/2745

Lender

Name	GERBER FCU

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	25 Months
Due	Jan 1, 2021

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWAYGO MI
Recording Date	Jan 24, 2018
Property Address	398 S BINGHAM DR, WHITE CLOUD, MI 49349-9539
Document Number	00468/6298
Book / Page	468 / 6298
Instrument Date	Jan 16, 2018
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Newaygo County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Newaygo County
County Subdivision	Sherman Township
Unified School District	White Cloud Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,100 (+45.21%)	$294,200 (+45.21%)
2025	$2,678.00 (+11.4%)
2023		$101,300	$202,600
2022	$2,404.00

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 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

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Mercury Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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