For Sale
3909 Jay Road, Whitehall, MI 49461
$674,900
MLS # 26027356 (Michigan Regional Information Center (MichRIC))
5 beds3 baths2,400 sqftBuilt 19919.55 acres
1 / 58
Listing Description
This home and property are a rare opportunity! Nestled on 10 beautiful acres near Lake Michigan, this very well-maintained builder's home offers a rural lifestyle, yet convenient location just a couple minutes to Lake Michigan and 15 minutes to Muskegon. The scenic winding driveway welcomes you to this attractive home that features many updates including a remodeled kitchen, 3 updated bathrooms, and new flooring. Once inside, you'll find over 2,400 square feet of living space with 4-5 beds and 3 baths. The kitchen is spacious and bright with quartz counters and features a large center island. Enjoy relaxing on the partially covered deck overlooking the scenic backyard and surrounding acreage where wildlife, open space and westerly views become part of your everyday life. Each bathroom has been updated with new quartz counters, flooring, and fixtures. The primary suite has its own private deck, and a beautiful, remodeled bathroom with 7' tiled shower and double heads
Source: SparkMLS
About this home
Located in Fruitland Township in Whitehall, this property offers 5-bedroom, 3-bath, 2,400 sq ft, with original construction dating to 1991.
Listed at $674,900 (about $281/sq ft).
Annual property taxes run approximately $3,411 ($284/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms3
Living Area2,400 sqft
Lot Size9.55 acres
Year Built1991
Stories2
Location
CityWhitehall
MunicipalityFruitland Twp
Zip Code49461
CountyMuskegon
School DistrictWhitehall
Construction & Systems
StyleTraditional
ConstructionBrick, Vinyl Siding
BasementPartial
Garage6 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesCable Connected
InteriorCeiling Fan(s), Garage Door Opener, Center Island, Eat-in Kitchen, Pantry
Sale & Financing
Listed6/4/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,411
Tax Year2025
Assessed Value$129,594
Parcel #06-120-300-0013-20
Source: SparkMLS
Legal Description
FRUITLAND TOWNSHIP SEC 20 T11N R17W S 1/2 OF NE 1/4 OF SE 1/4 OF SW 1/4 & N 1/2 OF SE 1/4 OF SE 1/4 OF SW 1/4
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 Laurel Jean Zwit
Greenridge Realty White Lake
Frequently Asked Questions about 3909 Jay Road, Whitehall, MI 49461
Which school district serves 3909 Jay Road, Whitehall, MI 49461?
Per MLS# 26027356, 3909 Jay Road, Whitehall, MI 49461 is in the Whitehall boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Whitehall directly to confirm enrollment eligibility.
What financing options are available for 3909 Jay Road, Whitehall, MI 49461?
Per MLS# 26027356, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 3909 Jay Road, Whitehall, MI 49461?
Per public tax records, annual property taxes for this property are $3,411 (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, 3909 Jay Road, Whitehall, MI 49461 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 3909 Jay Road, Whitehall, MI 49461 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 3909 Jay Road, Whitehall, MI 49461?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: DTE Gas Company. 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 Fruitland Twp police department or the Muskegon County sheriff's office.
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Monthly payment$4,377
Principal & interest$4,377
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
3909 Jay Road, Whitehall, MI 49461
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Municipality
Fruitland Township
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