Muskegon County property record for 4744 Sandy Ln, Whitehall, MI 49461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,080 sqft · built 1977 |
| Lot Size | 0.79 acres (34,412 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Nov 2025) |
| Tax Bill | $2,457 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06570000000300 |
| Primary APN | 06570000000300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,080 sqft Living Area |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 34,412 sqft (0.79 acres) |
| Lot Width | 114 ft Width |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Deck Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4744 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 3 |
| Legal Range | 18W |
| Legal Township | 11N |
| Legal Section | 70 |
| Legal Subdivision | SPRING VALLEY ESTATES |
| Legal Lot Number | 3 |
| Jurisdiction | MUSKEGON MI |
| Township / Civil Division | FRUITLAND |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 3701 |
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 | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HARBORLIGHT CU |
| Nov 13, 2025 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Nov 13, 2025 | Intrafamily Transfer, Transfer LAKESHORE TITLE LLC, LAKESHORE TTL GROUP WEST LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2025 · Amount on Record |
| Deed Sale | Nov 13, 2025 · Amount on Record |
| Prior Sale | Sep 17, 2009 · Amount on Record |
| Deed Document Number | 20255867172 |
| Deed Book / Page | 4401 / 642 |
| Prior Transfer Date | Nov 6, 2025 |
| Prior Transfer Doc | 004401/644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Property Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Document Number | 004338/420 |
|---|---|
| Date | Sep 11, 2023 |
| Book Page | 4338/420 |
| Instrument | 5804007 |
| Name | HARBORLIGHT CU |
|---|---|
| Type | Credit Union |
| Address | WHITEHALL, MI 49461 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 28, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Recording Date | Nov 13, 2025 |
| Property Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Document Number | 004401/642 |
| Book / Page | 4401 / 642 |
| Map Reference | LB 18 PG 60&61 |
| Instrument Date | Nov 6, 2025 |
| Instrument | 5867172 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,812.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Name | Verified Name |
|---|---|
| Address | 4474 SANDY LANE, WHITEHALL, MI 49461 |
| Document Number | 0004401643 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 4401/643 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MUSKEGON MI |
| Recording Date | Nov 13, 2025 |
| Property Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Document Number | 004401/644 |
| Book / Page | 4401 / 644 |
| Map Reference | LB 18 PG 60 |
| Instrument Date | Nov 6, 2025 |
| Instrument | 5867174 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | LAKESHORE TITLE LLC, LAKESHORE TTL GROUP WEST LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
| Name | Verified Name |
|---|---|
| Address | 4744 SANDY LN, WHITEHALL, MI 49461-9609 |
Source: Muskegon County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Muskegon County |
| County Subdivision | Fruitland Township |
| Unified School District | Whitehall School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $166,400 (+9.19%) | $332,800 (+9.19%) | |
| 2025 | $2,457.00 (-4.06%) Homeowner's exemption | $152,400 | $304,800 |
| 2024 | $2,561.00 |
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.
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 500 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.
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.
Source: FCC Broadband Data Collection, based on 79 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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