For Sale
3497 W Baseline Road, White Cloud, MI 49349
$399,000
MLS # 26031206 (Michigan Regional Information Center (MichRIC))
2 beds2 baths1,349 sqftBuilt 19768 acres
1 / 44
Listing Description
Escape to your own private riverfront retreat on 8 beautifully wooded acres along the scenic White River! This unique 2-bedroom, 1.5-bath home offers the perfect blend of comfort, privacy, and outdoor adventure. Step inside and enjoy breathtaking views of the White River from the main living area, where large windows bring the beauty of nature right into your home. A spacious loft provides additional living space and endless possibilities. Built during a time when homes could be positioned closer to the water, this property enjoys a rare and highly desirable setting near the riverbank while remaining outside any known flood concerns. The peaceful sights and sounds of the flowing river create a truly relaxing atmosphere year-round. Whether you're searching for a year-round residence, weekend getaway, or family retreat, this White River property delivers the space, setting, and lifestyle you've been dreaming of but couldn't find, until now! The outbuilding is a surprise, come see it!
Source: SparkMLS
About this home
Located in White Cloud, this property offers 2-bedroom, 2-bath, 1,349 sq ft, with original construction dating to 1976.
Listed at $399,000 (about $296/sq ft).
Annual property taxes run approximately $2,563 ($214/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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms2
Bathrooms2
Living Area1,349 sqft
Lot Size8 acres
Year Built1976
Stories2
Location
CityWhite Cloud
MunicipalityLincoln Twp
Zip Code49349
CountyNewaygo
School DistrictFremont
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air, Radiant
WaterWell
SewerSeptic Tank
InteriorGarage Door Opener
Sale & Financing
Listed6/22/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,563
Tax Year2025
Assessed Value$77,458
Parcel #10-32-400-013
Source: SparkMLS
Legal Description
W1/2 E1/2 SW1/4 SE1/4 LYING S'LY OF WHITE RIVER DESC AS COM 650.84 FT S89D 12'40''E OF S1/4 COR TH S89D 12'40''E 325.42 FT N 00D 29'45''E TO WHITE RIVER W'LYALG SD RIVER TO PT N00D 29'30''E OF BEG S00D 29'30''W TO POB SEC 32 T14N R13W
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 Rex Skupien
Greenridge Realty Inc
Frequently Asked Questions about 3497 W Baseline Road, White Cloud, MI 49349
Which school district serves 3497 W Baseline Road, White Cloud, MI 49349?
Per MLS# 26031206, 3497 W Baseline Road, White Cloud, MI 49349 is in the Fremont boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Fremont directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 26031206, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 3497 W Baseline Road, White Cloud, MI 49349?
Per public tax records, annual property taxes for this property are $2,563 (2025). 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, 3497 W Baseline Road, 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 3497 W Baseline Road, 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 utilities serve 3497 W Baseline Road, White Cloud, MI 49349?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Sewer: Septic Tank. Water: Well. 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 Lincoln Twp police department or the Newaygo County sheriff's office.
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Monthly payment$2,588
Principal & interest$2,588
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
MI Public Service Commission service territory boundaries.
Property
3497 W Baseline Road, White Cloud, MI 49349
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