4916 Bard Rd, Whitehall, MI 49461 Property Records

Muskegon County property record for 4916 Bard Rd, Whitehall, MI 49461

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,344 sqft · built 1985
Lot Size	9.93 acres (432,551 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jul 2017)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06120400000700`

Property Details

APN / Parcel Number

Primary APN	`06120400000700`
Alternative APN	`61-06-120-400-0007-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Lot Area	432,551 sqft (9.93 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4916 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 20 T11N R17W E 1/2 OF W 1/2 SW 1/4 OF SE 1/4
Legal Range	17W
Legal Township	11N
Legal Section	20
Jurisdiction	MUSKEGON MI
Township / Civil Division	FRUITLAND
Census Block Group	2
Census Block	2016
Census Tract	3500

Owner

4916 Bard Rd is owned and occupied by an individual who bought it in July 2017.

Source: Muskegon County records, as of June 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4916 BARD RD, WHITEHALL, MI 49461-9753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HARBORLIGHT CU
Feb 1, 2021	Deed of Trust, Mortgage · Line of Credit GENISYS CU
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Jan 12, 2009
Deed Document Number	20175594264
Deed Book / Page	4128 / 475
Prior Transfer Date	Feb 6, 2003
Prior Transfer Doc	0005024358
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4916 BARD RD, WHITEHALL, MI 49461-9753
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4916 BARD RD, WHITEHALL, MI 49461-9753

Mortgage

Document Number	004407/821
Date	Feb 9, 2026
Book Page	4407/821
Instrument	5873345

Lender

Name	HARBORLIGHT CU
Type	Credit Union
Address	WHITEHALL, MI 49461

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 28, 2041

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4916 BARD RD, WHITEHALL, MI 49461-9753
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005712474
Date	Feb 1, 2021
Book Page	4246/798
Instrument	5712474

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Dec 23, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	4916 BARD RD, WHITEHALL, MI 49461-9753
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005706110
Date	Nov 24, 2020
Book Page	4240/428
Instrument	5706110

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jul 12, 2017
Property Address	4916 BARD RD, WHITEHALL, MI 49461-9753
Document Number	0005594264
Book / Page	004128 / 000475
Instrument Date	Jul 7, 2017
Instrument	5594264
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	CHICAGO TITLE/MI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4916 BARD RD WHITEHALL MI 494619753, WHITEHALL, MI 49461-9753

Mortgage

Document Number	5594265
Date	Jul 12, 2017
Book Page	004128/000476
Instrument	5594265

Lender

Name	MICHIGAN MORTGAGE
Address	43456 MOUND RD, STERLING HEIGHTS, MI 48314-2080

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4916 Bard Rd was $2,841 with a homeowner's exemption.

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		$164,100 (+8.75%)	$328,200 (+8.75%)
2025	$2,841.00 Homeowner's exemption	$150,900	$301,800

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

Flood

FEMA maps place 4916 Bard Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4916 Bard Rd is low, with a 0.01% 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	0.01% 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 30 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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