Newaygo County property record for 4631 S Spruce Ave, White Cloud, MI 49349
| Property Type | Single Family Home |
|---|---|
| Lot Size | 40 acres (1,742,400 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,013 (2025) |
| Deeds & Mortgages | Aug 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-34-352-004 |
| Primary APN | 15-34-352-004 |
|---|
| Lot Area | 1,742,400 sqft (40 acres) |
|---|
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4631 S SPRUCE AVE |
|---|---|
| City | WHITE CLOUD |
| State | MI |
| Zip | 49349-8700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOCAL ZONE |
| Legal Description | LOT 7 ALSO LOTS 28 TO 32 INC GLENWOOD COVE |
| Legal Subdivision | GLENWOOD |
| Legal Lot Number | 28-32 |
| Jurisdiction | NEWAYGO MI |
| Township / Civil Division | EVERETT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 970900 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 4631 S SPRUCE AVE, WHITE CLOUD, MI 49349-8700 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEWAYGO MI |
| Property Address | 4631 S SPRUCE AVE, WHITE CLOUD, MI 49349-8700 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2019 |
| Name | Verified Name |
|---|
| Document Number | 474/6983 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 474/6983 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2044 |
Source: Newaygo County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Newaygo County |
| County Subdivision | Everett Township |
| Unified School District | White Cloud Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,500 (+60.04%) | $153,000 (+60.04%) | |
| 2025 | $1,013.00 (+10.59%) | ||
| 2023 | $47,800 | $95,600 | |
| 2022 | $916.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Truestream Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: NCATS.
5G (outdoors only) and 4G LTE
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