4902 Bluff Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4902 Bluff Rd, Whitehall, MI 49461 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,428 sqft · built 2021
Lot Size	0.466 acres (20,299 sqft)
Owner	2 Individual Names on File
Last Sale	$207,680 (Dec 2009)
Tax Bill	$14,221 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2021 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06445002000600`

Property Details

APN / Parcel Number

Primary APN	`06445002000600`
Alternative APN	`61-06-445-002-0006-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,428 sqft Living Area
1st Floor Area	2,033 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	20,299 sqft (0.466 acres)
Lot Dimensions	406 ft deep x 50 ft wide
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Deck Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4902 BLUFF RD
City	WHITEHALL
State	MI
Zip	49461-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRUITLAND TOWNSHIP NEW POINT COMFORT LOT 6 & 11 & N 1/2 VAC ALLEY BLK 2 ALSO INC 2/59 OF PRIVATE PARK AREA
Legal Range	18W
Legal Township	11N
Legal Section	45
Legal Subdivision	NEW POINT COMFORT
Legal Block	2
Legal Lot Number	6,11
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2007
Census Tract	3701

Owner

Source: Muskegon County records · APN 06445002000600

Assessment roll updated June 30, 2026 · Last verified July 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 File
Mailing Address	24721 W PARK RIVER LN, SHOREWOOD, IL 60404-7672
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 03, 2023	Deed of Trust, Mortgage · Conventional Mortgage WEST SHORE BANK
Sep 17, 2021	Deed of Trust, Mortgage · Construction Mortgage WEST SHORE BANK
Oct 01, 2019	Loan Modification, Mortgage · Conventional Mortgage FCB BK
Apr 15, 2019	Loan Modification, Mortgage FCB BK
Oct 01, 2018	Loan Modification, Mortgage · Line of Credit FCB BK
Dec 15, 2016	Loan Modification, Mortgage FIRST COLLINSVILLE BK
Nov 25, 2016	Loan Modification, Mortgage · Conventional Mortgage FIRST COLLINSVILLE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 11, 2009 · Amount on Record
Deed Sale	Dec 11, 2009 · Amount on Record
Deed Document Number	20095333142
Deed Book / Page	3831 / 717
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Transaction Type	Mortgage
Record Updated	Jan 16, 2023
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24721 W PARK RIVER LN, SHOREWOOD, IL 60404-7672

Mortgage

Document Number	004318/223
Date	Jan 03, 2023
Book Page	4318/223
Instrument	5783828

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 01, 2030
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	11.2%
Index	1-Year CMT
Max Rate	11.2%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24721 WEST PARK, SHOREWOOD, IL 60404

Mortgage

Document Number	4274/575
Date	Sep 17, 2021
Book Page	4274/575
Instrument	5740224

Lender

Name	WEST SHORE BANK
Type	Bank
Address	LUDINGTON, MI 49431

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 17, 2022

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Document Number	0005669616
Instrument Date	Oct 01, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24721 W PARK RIVER LN SHOREWOOD IL 604047672, SHOREWOOD, IL 60404-7672

Mortgage

Document Number	0005669616
Date	Nov 01, 2019
Book Page	004203/000897
Instrument	5669616

Lender

Name	FCB BK
Type	Bank
Address	6659 CENTER GROVE RD, EDWARDSVILLE, IL 62025-2803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Document Number	0005658080
Instrument Date	Apr 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 08, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24721 W PARK RIVER LN SHOREWOOD IL 604047672, SHOREWOOD, IL 60404-7672

Mortgage

Document Number	0005658080
Date	Jun 17, 2019
Book Page	004192/000350
Instrument	5658080

Lender

Name	FCB BK
Type	Bank
Address	800 BELT LINE RD, COLLINSVILLE, IL 62234-4413

Agreement

Amount	Amount Recorded

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Document Number	0005637825
Instrument Date	Oct 01, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24721 W PARK RIVER LN SHOREWOOD IL 604047672, SHOREWOOD, IL 60404-7672

Mortgage

Document Number	0005637825
Date	Nov 13, 2018
Book Page	004172/000077
Instrument	5637825

Lender

Name	FCB BK
Type	Bank
Address	6659 CENTER GROVE RD, EDWARDSVILLE, IL 62025-2803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 12, 2019

Interest

Rate Type	Adjustable Rate

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Document Number	0005576457
Instrument Date	Dec 15, 2016
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24721 W PARK RIVER LN SHOREWOOD IL 604047672, SHOREWOOD, IL 60404-7672

Mortgage

Document Number	0005576457
Date	Jan 31, 2017
Book Page	004110/000650
Instrument	5576457

Lender

Name	FIRST COLLINSVILLE BK
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jan 30, 2019

November 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MUSKEGON MI
Property Address	4902 BLUFF RD, WHITEHALL, MI 49461-9428
Document Number	0005575696
Instrument Date	Nov 25, 2016
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24721 W PARK RIVER LN SHOREWOOD IL 604047672, SHOREWOOD, IL 60404-7672

Mortgage

Document Number	0005575696
Date	Jan 23, 2017
Book Page	004109/000888
Instrument	5575696

Lender

Name	FIRST COLLINSVILLE BK
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jan 22, 2024

Tax Assessment & Valuation

Source: Muskegon County records · Assessment roll updated June 30, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$480,600 (-0.62%)	$961,200 (-0.62%)
2025	$14,221.00	$483,600	$967,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Muskegon County (26121C), updated October 6, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261210037012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Sep 2019, other causes

Wildfire

Wildfire Risk	Low above 5% of the US · above 12% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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