4640 Sandy Ln, Whitehall, MI 49461 Property Records

Muskegon County property record for 4640 Sandy Ln, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,771 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,900 (Oct 2021)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06570000001000`

Property Details

APN / Parcel Number

Primary APN	`06570000001000`
Alternative APN	`61-06-570-000-0010-00`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,771 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Lot Width	113 ft Width
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4640 SANDY LN
City	WHITEHALL
State	MI
Zip	49461-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHDR
Legal Description	FRUITLAND TOWNSHIP SPRING VALLEY ESTATES LOT 10 SUBJ TO EASEMENT AGREEMENT L1367 P521
Legal Range	18W
Legal Township	11N
Legal Section	70
Legal Subdivision	SPRING VALLEY ESTATES
Legal Lot Number	10
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2026
Census Tract	3701

Owner

Source: Muskegon County records, as of July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4640 SANDY LN, WHITEHALL, MI 49461-9609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU
Dec 18, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2021 · Amount on Record
Deed Sale	Oct 20, 2021 · Amount on Record
Prior Sale	Dec 18, 2018 · Amount on Record
Deed Document Number	20215743639
Deed Book / Page	4277 / 993
Last Transfer Date	Jul 16, 2026
Transfer Doc	0005889189
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jul 17, 2026
Property Address	4640 SANDY LN, WHITEHALL, MI 49461-9609
Document Number	0005889189
Book / Page	4423 / 682
Instrument Date	Jul 16, 2026
Instrument	20265889189
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4640 SANDY LN, WHITEHALL, MI 49461-9609

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Oct 20, 2021
Property Address	4640 SANDY LN, WHITEHALL, MI 49461-9609
Document Number	004277/993
Book / Page	4277 / 993
Map Reference	LB 18 PG 60&61
Instrument Date	Oct 15, 2021
Instrument	5743639
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	LIGHTHOUSE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,494.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 E COLBY ST, 219, WHITEHALL, MI 49461-1010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W 3RD ST, STROMSBURG, NE 68666-3049

Mortgage

Document Number	0004277994
Date	Oct 20, 2021
Instrument	4277/994

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Dec 18, 2018
Property Address	4640 SANDY LN, WHITEHALL, MI 49461-9609
Document Number	0005640572
Book / Page	004174 / 000826
Instrument Date	Dec 13, 2018
Instrument	5640572
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	CHICAGO TITLE/MI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,504.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4640 SANDY LN WHITEHALL MI 494619609, WHITEHALL, MI 49461-9609

Mortgage

Document Number	5640573
Date	Dec 18, 2018
Book Page	004174/000827
Instrument	5640573

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2048

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	Whitehall School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$149,000 (+7.04%)	$298,000 (+7.04%)
2025	$3,281.00 Homeowner's exemption	$139,200	$278,400

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Sep 2019 · other causes

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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