4020 Jay Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4020 Jay Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,432 sqft · built 2004
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$161,800 (Jul 2005)
Tax Bill	$4,113 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61-06-120-400-0001-15`

Property Details

APN / Parcel Number

Primary APN	`61-06-120-400-0001-15`
Alternative APN	`06120400000115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,432 sqft Living Area
1st Floor Area	2,396 sqft
Basement Area	1,592 sqft
Unfinished Basement	1,592 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Lot Area	44,867 sqft (1.03 acres)
Garage Area	948 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4020 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 COM AT S 1/4 COR TH N O DEG 44'06 E 1478.97 FT TH S 88 DEG 34'03 E 333.7 FT TH S O D
Legal Range	17W
Legal Township	11N
Legal Section	20
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2016
Census Tract	3500

Owner

Source: Muskegon County assessment roll, as of June 30, 2026

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

Owner of Record	Individual Name on File
Mailing Address	4020 JAY RD, WHITEHALL, MI 49461-9746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
May 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
Mar 21, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 15, 2005 · Amount on Record
Deed Sale	Jul 15, 2005 · Amount on Record
Deed Document Number	20055159769
Deed Book / Page	3659 / 371
Last Transfer Date	Mar 2, 2023
Transfer Doc	004323/897
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4020 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number	004405/304
Date	Jan 5, 2026
Book Page	4405/304
Instrument	5870830

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4020 JAY RD, WHITEHALL, MI 49461-9746
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 JAY RD, WHITEHALL, MI 49461-9746

Mortgage

Document Number	004329/102
Date	May 2, 2023
Book Page	4329/102
Instrument	5794696

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	12.2%
Index	1-Year CMT
Max Rate	12.2%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Mar 21, 2023
Property Address	4020 JAY RD, WHITEHALL, MI 49461-9746
Document Number	004323/897
Book / Page	4323 / 897
Instrument Date	Mar 2, 2023
Instrument	5789497
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 JAY RD, WHITEHALL, MI 49461-9746

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		$263,100 (+6.26%)	$526,200 (+6.26%)
2025	$4,113.00 Homeowner's exemption	$247,600	$495,200

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	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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

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