4680 Bard Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4680 Bard Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,328 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$24,000 (Mar 2023)
Tax Bill	$4,229 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`61-06-120-400-0012-04`

Property Details

APN / Parcel Number

Primary APN	`61-06-120-400-0012-04`
Alternative APN	`06120400001204`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,328 sqft Living Area
1st Floor Area	1,308 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	4680 BARD RD
City	WHITEHALL
State	MI
Zip	49461-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	FRUITLAND TOWNSHIP SEC 20 T11N R17W PART OF SE 1/4 OF SE 1/4 DESC AS BEG AT A PT ON S LN OF SEC 20 THAT IS 530.55 FT S 90D W
Legal Range	17W
Legal Township	11N
Legal Section	20
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2016
Census Tract	3500

Owner

Source: Muskegon County records, as of June 30, 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	4680 BARD RD, WHITEHALL, MI 49461-9417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Oct 3, 2023	Deed of Trust, Mortgage · Construction Mortgage MERCANTILE BANK
Mar 28, 2023	Warranty Deed, Transfer TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE
Aug 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 15, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2023 · Amount on Record
Deed Sale	Mar 28, 2023 · Amount on Record
Prior Sale	Jun 8, 2005 · Amount on Record
Deed Document Number	20235790295
Deed Book / Page	4324 / 696
Prior Transfer Date	Jul 12, 2019
Prior Transfer Doc	004196/844
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4680 BARD RD, WHITEHALL, MI 49461-9417
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4680 BARD RD, WHITEHALL, MI 49461-9417

Mortgage

Document Number	004401/630
Date	Nov 13, 2025
Book Page	4401/630
Instrument	5867160

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4680 BARD RD, WHITEHALL, MI 49461-9417
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2710 ORSHAL RD, MUSKEGON, MI 49445-8665

Mortgage

Document Number	0004340/28
Date	Oct 3, 2023
Book Page	4340/28
Instrument	5805613

Lender

Name	MERCANTILE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	12.2%
Margin	4
Max Rate	12.2%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Mar 28, 2023
Property Address	4680 BARD RD, WHITEHALL, MI 49461-9417
Document Number	004324/696
Book / Page	4324 / 696
Instrument Date	Mar 24, 2023
Instrument	5790295
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4088 JAY RD, WHITEHALL, MI 49461-9746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2710 ORSHAL RD, MUSKEGON, MI 49445-8665

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MUSKEGON MI
Recording Date	Aug 12, 2019
Property Address	4680 BARD RD, WHITEHALL, MI 49461-9417
Document Number	0005662570
Book / Page	004196 / 000844
Instrument Date	Aug 12, 2019
Instrument	5662570
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$4.30
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4088 JAY RD WHITEHALL MI 494619746, WHITEHALL, MI 49461-9746

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MUSKEGON MI
Recording Date	Mar 15, 2018
Property Address	4680 BARD RD, WHITEHALL, MI 49461-9417
Document Number	0005615844
Book / Page	004150 / 000075
Instrument Date	Mar 15, 2018
Instrument	5615844
Transaction Type	Transfer
Record Updated	Mar 30, 2018

Transaction

Amount	Amount Recorded
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2013 HOLTON WHITEHALL RD WHITEHALL MI 494619154, WHITEHALL, MI 49461-9154

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		$170,200 (+6.64%)	$340,400 (+6.64%)
2025	$4,229.00 Homeowner's exemption	$159,600	$319,200

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

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
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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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