4701 S Spruce Ave, White Cloud, MI 49349 Property Records

Newaygo County property record for 4701 S Spruce Ave, White Cloud, MI 49349

Property Summary

Property Type	Single Family Home
Lot Size	120 acres (5,227,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (May 2024)
Tax Bill	$3,312 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-33-490-001`

Property Details

APN / Parcel Number

Primary APN	`15-33-490-001`

Exterior

Lot Area	5,227,200 sqft (120 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4701 S SPRUCE AVE
City	WHITE CLOUD
State	MI
Zip	49349-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOCAL ZONE
Legal Description	LOTS 13 & 14 GLENWOOD COVE
Legal Subdivision	GLENWOOD
Legal Lot Number	13-14
Jurisdiction	NEWAYGO MI
Township / Civil Division	EVERETT
Census Block Group	1
Census Block	1007
Census Tract	970900

Owner

Source: Newaygo County records, as of August 13, 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	190 E WOOD ST, NEWAYGO, MI 49337-8962
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
May 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage LAKE MICHIGAN CREDIT UNION
Dec 7, 2017	Deed of Trust, Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	May 2, 2024 · Amount on Record
Prior Transfer Date	Jan 19, 1988
Prior Transfer Doc	436/9099
Record Updated	Sep 20, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWAYGO MI
Recording Date	May 8, 2019
Property Address	4701 S SPRUCE AVE, WHITE CLOUD, MI 49349-9760
Document Number	473/6991
Book / Page	473 / 6991
Instrument Date	Apr 25, 2019
Transaction Type	Transfer
Record Updated	Sep 7, 2021

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

Mortgage

Document Number	4736993
Date	May 8, 2019
Instrument	473/6993

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00473/6991
Date	May 8, 2019
Book Page	473/6991

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jun 1, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWAYGO MI
Property Address	4701 S SPRUCE AVE, WHITE CLOUD, MI 49349-9760
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0000001446
Date	Dec 7, 2017
Book Page	0000000468/0000001446

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2047

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		$68,200 (+8.77%)	$136,400 (+8.77%)
2025	$3,312.00 (+90.45%)	$62,700 (+65.87%)	$125,400 (+65.87%)
2023		$37,800	$75,600
2022	$1,739.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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