3995 Jay Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 3995 Jay Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,600 sqft · built 1980
Lot Size	4.67 acres (203,425 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,327 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`61-06-120-300-0013-10`

Property Details

APN / Parcel Number

Primary APN	`61-06-120-300-0013-10`
Alternative APN	`06120300001310`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,192 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	203,425 sqft (4.67 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3995 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 N 1/2 OF NE 1/4 OF SE 1/4 OF SW 1/4
Legal Range	17W
Legal Township	11N
Legal Section	20
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2015
Census Tract	3500

Owner

Source: Muskegon County records, as of August 12, 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	3995 JAY RD, WHITEHALL, MI 49461-9746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3995 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number	0004347/22
Date	Jan 22, 2024
Book Page	4347/22
Instrument	5812600

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3995 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	Apr 22, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3995 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number	004295/368
Date	Apr 5, 2022
Book Page	4295/368
Instrument	5760996

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3995 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005702925
Date	Oct 26, 2020
Book Page	4237/240
Instrument	5702925

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	3995 JAY RD, WHITEHALL, MI 49461-9746
Document Number	0005580545
Book / Page	004114 / 000742
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3995 JAY RD WHITEHALL MI 494619746, WHITEHALL, MI 49461-9746

Mortgage

Document Number	0005580545
Date	Mar 15, 2017
Book Page	004114/000742
Instrument	5580545

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2047

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		$171,000 (+13.25%)	$342,000 (+13.25%)
2025	$2,327.00 Homeowner's exemption	$151,000	$302,000

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 30 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

Nearby Properties on Jay Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures