4486 Orshal Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4486 Orshal Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,444 sqft · built 2011
Lot Size	1.83 acres (79,845 sqft)
Owner	2 Individual Names on File
Last Sale	$12,600 (Oct 2021)
Tax Bill	$4,801 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jun 2022 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`61-06-121-100-0005-30`

Property Details

APN / Parcel Number

Primary APN	`61-06-121-100-0005-30`
Alternative APN	`06121100000530`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,444 sqft Living Area
1st Floor Area	1,412 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	79,845 sqft (1.83 acres)
Lot Dimensions	363 ft deep x 110 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4486 ORSHAL RD
City	WHITEHALL
State	MI
Zip	49461-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	FRUITLAND TOWNSHIP SEC 21 T11N R17W PART OF N 1/2 OF S 1/2 OF NW 1/4 OF NW 1/4 DESC AS FOL: COM AT NW COR OF SD SEC TH S 0D 2
Legal Range	17W
Legal Township	11N
Legal Section	21
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	3
Census Block	3014
Census Tract	3500

Owner

4486 Orshal Rd is owned and occupied by two individuals who acquired it in September 2022.

Source: Muskegon County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Intrafamily Transfer, Transfer
Jun 23, 2022	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
May 25, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 8, 2021	Warranty Deed, Transfer
Mar 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2017	Warranty Deed, Transfer MICHIGAN MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Prior Sale	Jan 4, 2017 · Amount on File
Deed Document Number	20215742426
Deed Book / Page	4276 / 779
Last Transfer Date	Sep 28, 2022
Transfer Doc	004311/612
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Jan 22, 2026
Property Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Document Number	004406/657
Book / Page	4406 / 657
Instrument Date	Jan 13, 2026
Instrument	5872182
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7540 DURHAM RD, WHITEHALL, MI 49461-9513

Mortgage

Document Number	004303/705
Date	Jun 23, 2022
Book Page	4303/705
Instrument	5769325

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 3, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MUSKEGON MI
Recording Date	May 25, 2022
Property Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Document Number	004301/199
Book / Page	4301 / 199
Instrument Date	May 23, 2022
Instrument	5766821
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9516 US HIGHWAY 31, 9516, MONTAGUE, MI 49437-9504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7540 DURHAM RD, WHITEHALL, MI 49461-9513
Investor	Possibly a Property Investor

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Oct 8, 2021
Property Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Document Number	4276/779
Book / Page	4276 / 779
Instrument Date	Oct 6, 2021
Instrument	5742426
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Amount	Amount on Record
Tax	$111.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14029 APPLE DR, 14029, FRUITPORT, MI 49415-9508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9516 US HIGHWAY 31, MONTAGUE, MI 49437-9504

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005614351
Date	Mar 8, 2018
Book Page	4148/580
Instrument	5614351

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jan 4, 2017
Property Address	4486 ORSHAL RD, WHITEHALL, MI 49461-9765
Document Number	0005574237
Book / Page	004108 / 000428
Instrument Date	Dec 30, 2016
Instrument	5574237
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	PREMIER LAKESHORE TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,203.14
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4486 ORSHAL RD WHITEHALL MI 494619765, WHITEHALL, MI 49461-9765

Mortgage

Document Number	5574238
Date	Jan 4, 2017
Book Page	004108/000429
Instrument	5574238

Lender

Name	MICHIGAN MORTGAGE
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314-2080

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4486 Orshal Rd was $4,801 with a homeowner's exemption, down 4.1% from the year before.

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		$208,500 (+6.05%)	$417,000 (+6.05%)
2025	$4,801.00 (-4.1%) Homeowner's exemption	$196,600	$393,200
2024	$5,006.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4486 Orshal 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

Wildfire risk around 4486 Orshal 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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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