4735 Bard Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4735 Bard Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,600 sqft · built 1996
Lot Size	4.87 acres (212,137 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jan 2026)
Tax Bill	$3,374 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61-06-129-200-0001-20`

Property Details

APN / Parcel Number

Primary APN	`61-06-129-200-0001-20`
Alternative APN	`06129200000120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,600 sqft Living Area
1st Floor Area	1,341 sqft
Basement Area	1,341 sqft
Unfinished Basement	1,341 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Lot Area	212,137 sqft (4.87 acres)
Garage Area	2,032 sqft
Parking Spaces	7 Parking Spaces
Porch	Screened Porch
Deck Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4735 BARD RD
City	WHITEHALL
State	MI
Zip	49461-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	FRUITLAND TOWNSHIP SEC 29 T11N R17W E 1/2 OF W 10 AC OF E 30 AC OF NE 1/4 OF NE 1/4
Legal Range	17W
Legal Township	11N
Legal Section	29
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2012
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	2 Individual Names on Record
Mailing Address	4735 BARD RD, WHITEHALL, MI 49461-9753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 2, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Feb 9, 2026	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	Nov 1, 2012 · Amount on Record
Deed Document Number	20265870764
Deed Book / Page	4405 / 238
Prior Transfer Date	May 20, 2011
Prior Transfer Doc	0005384717
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4735 BARD RD, WHITEHALL, MI 49461-9753
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 BARD RD, WHITEHALL, MI 49461-9753

Mortgage

Document Number	004371/700
Date	Nov 26, 2024
Book Page	4371/700
Instrument	5837259

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 16, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jan 2, 2026
Property Address	4735 BARD RD, WHITEHALL, MI 49461-9753
Document Number	004405/238
Book / Page	4405 / 238
Instrument Date	Dec 29, 2025
Instrument	5870764
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4735 BARD RD, WHITEHALL, MI 49461-9753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 BARD RD, WHITEHALL, MI 49461-9753

Mortgage

Document Number	0004405239
Date	Jan 2, 2026
Instrument	4405/239

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Feb 9, 2026
Property Address	4735 BARD RD, WHITEHALL, MI 49461-9753
Document Number	004407/803
Book / Page	4407 / 803
Instrument Date	Dec 29, 2025
Instrument	5873327
Transaction Type	Transfer
Record Updated	Feb 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4735 BARD RD, WHITEHALL, MI 49461-9753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 BARD RD, WHITEHALL, MI 49461-9753

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		$261,300 (+5.11%)	$522,600 (+5.11%)
2025	$3,374.00 (-4.09%) Homeowner's exemption	$248,600	$497,200
2024	$3,518.00

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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