4076 Orshal Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4076 Orshal Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1981
Lot Size	0.686 acres (29,882 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Oct 2023)
Tax Bill	$3,179 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06433000000800`

Property Details

APN / Parcel Number

Primary APN	`06433000000800`
Alternative APN	`61-06-433-000-0008-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Lot Area	29,882 sqft (0.686 acres)
Lot Dimensions	299 ft deep x 100 ft wide
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4076 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 RICHARD MIEL'S SUB LOT 8
Legal Range	18W
Legal Township	11N
Legal Section	33
Legal Subdivision	MIEL'S
Legal Lot Number	8
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	3
Census Block	3020
Census Tract	3500

Owner

Source: Muskegon County records, 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 Record
Mailing Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Oct 3, 2023	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU
Jun 8, 2023	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Jun 8, 2023 · Amount on Record
Deed Document Number	20235805596
Deed Book / Page	4340 / 11
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770

Mortgage

Document Number	004400/456
Date	Oct 29, 2025
Book Page	4400/456
Instrument	5865987

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Oct 3, 2023
Property Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770
Document Number	0004340/11
Book / Page	4340 / 11
Map Reference	LB 21 PG 26
Instrument Date	Sep 29, 2023
Instrument	5805596
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49461 4076 ORSHAL RD, WHITEHALL, MI 49461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 ORSHAL RD # 4076, 4076, WHITEHALL, MI 49461-9770

Mortgage

Document Number	0005805597
Date	Oct 3, 2023
Instrument	5805597

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jun 8, 2023
Property Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770
Document Number	004331/629
Book / Page	4331 / 629
Map Reference	LB 21 PG 26
Instrument Date	Jun 6, 2023
Instrument	5797223
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1993 CAMP RDG, TWIN LAKE, MI 49457-8970

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4076 ORSHAL RD, WHITEHALL, MI 49461-9770

Mortgage

Document Number	004291/704
Date	Mar 10, 2022
Book Page	4291/704
Instrument	5757336

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$107,800 (+7.8%)	$215,600 (+7.8%)
2025	$3,179.00 (+82.07%) Homeowner's exemption	$100,000 (+34.41%)	$200,000 (+34.41%)
2023		$74,400	$148,800
2022	$1,746.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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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