Sold
1403 Swain Street, White Cloud, MI 49349
Sold on 02/13/2026 for$215,000
MLS # 25033263 (Michigan Regional Information Center (MichRIC))
3 beds2 baths1,654 sqftBuilt 19750.3 acres
1 / 23
Listing Description
Welcome to this charming ranch-style home located on a spacious corner lot within the city limits of White Cloud. Nestled on a partially wooded lot, this property offers a peaceful setting with a touch of privacy while still being close to town amenities. The home features three bedrooms and one and a half bathrooms, perfect for comfortable living. Step into the cozy family room with a warm fireplace and classic knotty pine walls that add rustic character and charm. Enjoy relaxing on the covered porch or entertaining on the back patios surrounded by nature. Additional highlights include a one-stall attached garage, paved driveway, and a practical layout ideal for everyday living. Whether you're looking for your first home or your forever home.
Source: SparkMLS
About this home
3-bedroom, 2-bath, 1,654 sq ft home in White Cloud in White Cloud built in 1975.
Final sale price: $215,000 (about $130/sq ft).
Annual property taxes run approximately $1,832 ($153/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company. Broadband is available with download speeds up to 1,000 Mbps from 9 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms2
Living Area1,654 sqft
Lot Size0.3 acres
Year Built1975
Stories1
Location
CityWhite Cloud
MunicipalityWhite Cloud City
Zip Code49349
CountyNewaygo
School DistrictWhite Cloud
Construction & Systems
StyleRanch
ConstructionAluminum Siding
BasementSlab
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, High-Speed Internet
InteriorBroadband, Center Island
Sale & Financing
Listed7/8/2025
Sold Date2/12/2026
Original Price$230,000
Terms AcceptedCash, Conventional
Concessions$6,450
Source: SparkMLS
Tax Information
Annual Tax$1,832
Tax Year2024
Assessed Value$38,157
Parcel #1505226011
Source: SparkMLS
Legal Description
lot 17 cruzans subdivision no 2
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Lisa Lightfoot
Coldwell Banker Schmidt Fremont
Frequently Asked Questions about 1403 Swain Street, White Cloud, MI 49349
Which school district serves 1403 Swain Street, White Cloud, MI 49349?
Per MLS# 25033263, 1403 Swain Street, White Cloud, MI 49349 is in the White Cloud boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact White Cloud directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 25033263, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1403 Swain Street, White Cloud, MI 49349?
Per public tax records, annual property taxes for this property are $1,832 (2024). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1403 Swain Street, White Cloud, MI 49349 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 1403 Swain Street, White Cloud, MI 49349 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 1403 Swain Street, White Cloud, MI 49349. The maximum advertised download speed is 1.0 Gbps. 9 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 1403 Swain Street, White Cloud, MI 49349?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the White Cloud City police department or the Newaygo County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,362
Principal & interest$1,362
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
Download
1 Gbps
Upload
35 Mbps
CableLicensed Fixed WirelessGSO SatelliteUnlicensed Fixed WirelessFixed WirelessSatelliteDSL
9 providers at this address
SpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsNCATSFixed Wireless
100 MbpsT-MobileLicensed Fixed Wireless
100 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsAT&TDSL
10 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
1403 Swain Street, White Cloud, MI 49349
View full property history →
Municipality
White Cloud
View all listings →
Get email alerts for new listings near 1403 Swain Street
We'll notify you when something hits the market in White Cloud or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.