4372 S Spruce Ave, White Cloud, MI 49349 Property Records

Newaygo County property record for 4372 S Spruce Ave, White Cloud, MI 49349

Property Summary

Property Type	Single Family Home
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on Record
Last Sale	$281,000 (Jul 2018)
Tax Bill	$3,179 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`15-34-100-004`

Property Details

APN / Parcel Number

Primary APN	`15-34-100-004`

Exterior

Lot Area	1,742,400 sqft (40 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4372 S SPRUCE AVE
City	WHITE CLOUD
State	MI
Zip	49349-9704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOCAL ZONE
Legal Description	SW1/4 NW1/4 SEC. 34 T13N R12W 40 A
Legal Range	12W
Legal Township	13N
Legal Section	34
Jurisdiction	NEWAYGO MI
Township / Civil Division	EVERETT
Census Block Group	1
Census Block	1006
Census Tract	970900

Owner

Source: Newaygo County records, as of July 13, 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	4372 S SPRUCE AVE, WHITE CLOUD, MI 49349-9704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2018	Deed of Trust, Mortgage · VA Mortgage AMERIFIRST FINANCIAL
Jul 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Deed Book / Page	470 / 4795
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWAYGO MI
Property Address	4372 S SPRUCE AVE, WHITE CLOUD, MI 49349-9704
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000470/0000004797
Date	Jul 11, 2018
Book Page	0000000470/0000004797

Lender

Name	AMERIFIRST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWAYGO MI
Recording Date	Jul 11, 2018
Property Address	4372 S SPRUCE AVE, WHITE CLOUD, MI 49349-9704
Document Number	00470/4795
Book / Page	470 / 4795
Instrument Date	Jul 3, 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
Address	4372 S SPRUCE AVE, WHITE CLOUD, MI 49349-9704

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,200 (+33.27%)	$296,400 (+33.27%)
2025	$3,179.00 (+251.66%)
2023		$111,200	$222,400
2022	$904.00

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 February 17, 2015 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2004 · rainfall accumulation

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 65% of the US · above 88% of Michigan
Wildfire Likelihood	0.03% 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 1 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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