Muskegon County property record for 4120 Bard Rd, Whitehall, MI 49461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,840 sqft · built 1974 |
| Lot Size | 4.76 acres (207,346 sqft) |
| Owner | Individual Name on File |
| Last Sale | $148,000 (Sep 2015) |
| Tax Bill | $2,896 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06121400000600 |
| Primary APN | 06121400000600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,840 sqft Living Area |
| 1st Floor Area | 1,840 sqft |
| Basement Area | 1,840 sqft |
| Unfinished Basement | 1,840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 207,346 sqft (4.76 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Heating System | Hot Water |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4120 BARD RD |
|---|---|
| City | WHITEHALL |
| State | MI |
| Zip | 49461-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | FRUITLAND TOWNSHIP SEC 21 T11N R17W S 657 FT OF E 1/2 OF W 1/2 OF SW 1/4 OF SE 1/4 ALSO DESC AS COMM S1/4 COR OF SD SEC TH |
| Legal Range | 17W |
| Legal Township | 11N |
| Legal Section | 21 |
| Jurisdiction | MUSKEGON MI |
| Township / Civil Division | FRUITLAND |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 3500 |
4120 Bard Rd is owned and occupied by an individual who acquired it in July 2018.
Source: Muskegon County records, as of June 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4120 BARD RD, WHITEHALL, MI 49461-9413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2015 · Amount on File |
| Deed Sale | Sep 8, 2015 · Amount on File |
| Prior Sale | Jul 9, 2004 |
| Deed Document Number | 20155530660 |
| Deed Book / Page | 4064 / 809 |
| Last Transfer Date | Jul 19, 2018 |
| Transfer Doc | 0005635161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Property Address | 4120 BARD RD, WHITEHALL, MI 49461-9413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004407/671 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | 4407/671 |
| Instrument | 5873195 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 25, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4120 Bard Rd was $2,896 with a homeowner's exemption.
Source: Muskegon County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Muskegon County |
| County Subdivision | Fruitland Township |
| Unified School District | Reeths-Puffer Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,800 (+7.9%) | $341,600 (+7.9%) | |
| 2025 | $2,896.00 Homeowner's exemption | $158,300 | $316,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4120 Bard 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 risk around 4120 Bard 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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