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4820 Bluff Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4820 Bluff Rd, Whitehall, MI 49461

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,877 sqft · built 1860
Lot Size0.242 acres (10,542 sqft)
Owner2 Individual Names on File
Deeds & MortgagesApr 2022 Mortgage
Mar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN06445003001000

Property Details

APN / Parcel Number

Primary APN06445003001000
Alternative APN
  • 61-06-445-003-0010-00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms2 Rooms
Stories1 Story
Building Area1,877 sqft Living Area
1st Floor Area1,877 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1860
Effective Year BuiltEffective 1860
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Lot Area10,542 sqft (0.242 acres)
Lot Dimensions132 ft deep x 80 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerSeptic
Water SourceWell

Location & Zoning

Street Address4820 BLUFF RD
CityWHITEHALL
StateMI
Zip49461-9427
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeILD
Legal DescriptionFRUITLAND TOWNSHIP NEW POINT COMFORT LOT 10 & W 30 FT OF LOT 11 BLK 3 ALSO INC 1/59 OF PRIVATE PARK AREA
Legal Range18W
Legal Township11N
Legal Section45
Legal SubdivisionNEW POINT COMFORT
Legal Block3
Legal Lot Number10-11
JurisdictionMUSKEGON MI
Township / Civil DivisionFRUITLAND
Census Block Group2
Census Block2007
Census Tract3701

Owner

Source: Muskegon County assessment roll, APN 06445003001000, as of June 30, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4820 BLUFF RD, WHITEHALL, MI 49461-9427
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 15, 2022Deed of Trust, Mortgage · Commercial Mortgage
THE SHELBY STATE BANK
Mar 25, 2022Deed of Trust, Mortgage · Conventional Mortgage
THE SHELBY STATE BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateMay 22, 2024
Transfer Doc004358/388
Record UpdatedSep 20, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMUSKEGON MI
Property Address4820 BLUFF RD, WHITEHALL, MI 49461-9427
Transaction TypeMortgage
Record UpdatedApr 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4820 BLUFF RD, WHITEHALL, MI 49461-9427

Mortgage

Document Number004297/525
DateApr 15, 2022
Book Page4297/525
Instrument5763151
Lender
NameTHE SHELBY STATE BANK
TypeBank
AddressSHELBY, MI 49455
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term84 Months
DueApr 05, 2029
Interest
Rate TypeAdjustable Rate

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMUSKEGON MI
Property Address4820 BLUFF RD, WHITEHALL, MI 49461-9427
Transaction TypeMortgage
Record UpdatedMar 31, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4820 BLUFF RD, WHITEHALL, MI 49461-9427

Mortgage

Document Number004293/415
DateMar 25, 2022
Book Page4293/415
Instrument5759045
Lender
NameTHE SHELBY STATE BANK
TypeBank
AddressSHELBY, MI 49455
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

Tax Assessment & Valuation

Source: Muskegon County assessment roll as of June 30, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMichigan
CountyMuskegon County
County SubdivisionFruitland Township
Unified School DistrictWhitehall School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$362,200 (+2.78%)$724,400 (+2.78%)
2025Homeowner's exemption$352,400$704,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Muskegon County (26121C), as of October 6, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261210037012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2019)
Most Recent ClaimSep 2019 · other causes

Wildfire

Wildfire RiskLow
lower than 94% of the US · lower than 87% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, 79 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MI0007100, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWHITEHALL
serves 2,902 people
Water SourceGroundwater
Last State InspectionAug 2023
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.

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