4719 S Spruce Ave, White Cloud, MI 49349 Property Records

Newaygo County property record for 4719 S Spruce Ave, White Cloud, MI 49349

Property Summary

Property Type	Single Family Home
Lot Size	0.558 acres (24,331 sqft)
Owner	2 Individual Names on File
Last Sale	$74,900 (Jun 2019)
Tax Bill	$1,635 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`15-34-355-013`

Property Details

APN / Parcel Number

Primary APN	`15-34-355-013`

Exterior

Lot Area	24,331 sqft (0.558 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4719 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 43 THRU 46 GLENWOOD COVE
Legal Subdivision	GLENWOOD
Legal Lot Number	43-46
Jurisdiction	NEWAYGO MI
Township / Civil Division	EVERETT
Census Block Group	1
Census Block	1007
Census Tract	970900

Owner

4719 S Spruce Ave is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4719 S SPRUCE AVE, WHITE CLOUD, MI 49349-9760
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jun 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage TOP FLITE FINANCIAL INC
May 17, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Book / Page	474 / 1934
Prior Transfer Date	Apr 25, 2018
Prior Transfer Doc	469/8795
Record Updated	Sep 20, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEWAYGO MI
Recording Date	Jun 25, 2019
Property Address	4719 S SPRUCE AVE, WHITE CLOUD, MI 49349-9760
Document Number	474/1934
Book / Page	474 / 1934
Instrument Date	May 29, 2019
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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
Investor	Possibly a Property Investor

Mortgage

Document Number	4741938
Date	Jun 25, 2019
Instrument	474/1938

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	00474/1934
Date	Jun 25, 2019
Book Page	474/1934

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWAYGO MI
Recording Date	May 17, 2018
Property Address	4719 S SPRUCE AVE, WHITE CLOUD, MI 49349-9760
Document Number	469/8795
Book / Page	469 / 8795
Instrument Date	Apr 25, 2018
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 72ND PL, WEST DES MOINES, IA 50266-2415

Tax Assessment & Valuation

The 2025 property tax bill for 4719 S Spruce Ave was $1,635 with a homeowner's exemption.

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		$75,500 (+13.36%)	$151,000 (+13.36%)
2025	$1,635.00 Homeowner's exemption	$66,600	$133,200
2023		$47,300	$94,600
2022	$1,403.00

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

Flood

FEMA maps place 4719 S Spruce Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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

Wildfire risk around 4719 S Spruce Ave is low, with a 0.02% 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	0.02% 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.

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