740 Fruitvale Rd, Montague, MI 49437 Property Records

Muskegon County property record for 740 Fruitvale Rd, Montague, MI 49437

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,230 sqft · built 2017
Lot Size	38.4 acres (1,675,753 sqft)
Owner	Trust Name on File
Last Sale	$54,000 (Mar 2014)
Tax Bill	$10,627 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04004200000500`

Property Details

APN / Parcel Number

Primary APN	`04004200000500`
Alternative APN	`61-04-004-200-0005-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,230 sqft Living Area
1st Floor Area	1,615 sqft
Basement Area	1,615 sqft
Unfinished Basement	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	1,675,753 sqft (38.4 acres)
Garage Area	645 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	740 FRUITVALE RD
City	MONTAGUE
State	MI
Zip	49437-9577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CON DIS
Legal Description	BLUE LAKE TOWNSHIP SEC 4 T12N R16W S 1/2 OF W 1/2 OF NW 1/4 OF NE 1/4. 10 A.ESM'T AND RIGHT OF WAY FOR INGRESS AND EGRESS OV
Jurisdiction	MUSKEGON MI
Township / Civil Division	BLUE LAKE
Census Block Group	1
Census Block	1005
Census Tract	4000

Owner

740 Fruitvale Rd is owner-occupied and held in a trust since January 2021.

Source: Muskegon County records, as of July 21, 2026

Owner of Record	Trust Name on File
Mailing Address	740 FRUITVALE RD, MONTAGUE, MI 49437-9577
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Line of Credit SAFE HARBOR CU
Aug 29, 2022	Deed of Trust, Mortgage · Line of Credit SAFE HARBOR CU
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAFE HARBOR CU
Apr 19, 2017	Trustee's Deed, Construction Loan · Line of Credit SHELBY ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2014 · Amount on File
Deed Sale	Mar 12, 2014 · Amount on File
Prior Sale	Apr 19, 2012 · Amount on File
Deed Document Number	20145478966
Deed Book / Page	4013 / 65
Last Transfer Date	Jan 31, 2021
Transfer Doc	0005715579
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	740 FRUITVALE RD, MONTAGUE, MI 49437-9577
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	740 E FRUITVALE RD, MONTAGUE, MI 49437-9577

Mortgage

Document Number	004343/883
Date	Nov 30, 2023
Book Page	4343/883
Instrument	5809465

Lender

Name	SAFE HARBOR CU
Type	Credit Union
Address	LUDINGTON, MI 49431

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	740 FRUITVALE RD, MONTAGUE, MI 49437-9577
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	740 FRUITVALE RD, MONTAGUE, MI 49437-9577

Mortgage

Document Number	0004309/51
Date	Aug 29, 2022
Book Page	4309/51
Instrument	5774665

Lender

Name	SAFE HARBOR CU
Type	Credit Union
Address	LUDINGTON, MI 49431

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	740 FRUITVALE RD, MONTAGUE, MI 49437-9577
Document Number	0005701910
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	740 FRUITVALE RD MONTAGUE MI 494379577, MONTAGUE, MI 49437-9577

Mortgage

Document Number	0005701910
Date	Oct 14, 2020
Book Page	004236/000224
Instrument	5701910

Lender

Name	SAFE HARBOR CU
Type	Credit Union
Address	LUDINGTON, MI 49431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 13, 2035

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MUSKEGON MI
Recording Date	Apr 19, 2017
Property Address	740 FRUITVALE RD, MONTAGUE, MI 49437-9577
Book / Page	004121 / 000285
Instrument Date	Apr 14, 2017
Instrument	5587081
Transaction Type	Construction Loan
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	410 E DOWLAND ST #A LUDINGTON MI 494312313, A, LUDINGTON, MI 49431-2313

Mortgage

Document Number	0005587081
Date	Apr 19, 2017
Book Page	004121/000285
Instrument	5587081

Lender

Name	SHELBY ST BK
Type	Bank
Address	SHELBY, MI 49455

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 18, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 740 Fruitvale Rd was $10,627 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	Blue Lake Township
Unified School District	Whitehall School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$483,900 (+4.29%)	$967,800 (+4.29%)
2025	$10,627.00 Homeowner's exemption	$464,000	$928,000

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

Flood

FEMA maps place 740 Fruitvale Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 740 Fruitvale 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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