For Sale
4122 Duck Lake Road, Whitehall, MI 49461
$392,500
MLS # 26035298 (Michigan Regional Information Center (MichRIC))
5 beds3 baths2,724 sqftBuilt 20050.79 acres
1 / 65
Listing Description
This spectacular 2725 sq ft total living space, 4/5 bedroom, 3 full bath ranch with an attached 2 car garage. Exterior features include a huge 30 x 40 second garage/barn for storage, volleyball sand court, concrete pad basketball hoop, and privacy fence. Upgrades include a newer AC/furnace and flooring. Immediate possession allows you to close and be in prior to school this fall. The living room is open living space. The kitchen offers all appliances and a center island. A lovely deck is off the dining area with stairs to the platform deck below. The primary bedroom has a full bath ensuite. The full basement is mostly finished with a possible 5th bedroom (egress needed), the 3rd full bath, a family room and built in bar. Laundry is main floor. Natural gas, high speed internet available. EXCELLENT LOCATION: JUST 4 MILES TO LAKE MICHIGAN, DUCK LAKE, DUCK LAKE STATE PARK AND DUCK LAKE CHANNEL, NATURE PRESERVES, TOWNSHIP PARKS, AND MICHIGAN ADVENTURE AMUSEMENT PARK, EXIT 121 RUSSELL RD.
Source: SparkMLS
About this home
5-bedroom, 3-bath, 2,724 sq ft home in Fruitland Township in Whitehall built in 2005.
Listed at $392,500 (about $144/sq ft).
Estimated annual property tax: $3,365, or about $280 monthly. 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 Area2,724 sqft
Lot Size0.79 acres
Year Built2005
Stories1
Location
CityWhitehall
MunicipalityFruitland Twp
Zip Code49461
CountyMuskegon
School DistrictReeths-Puffer
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementDaylight, Full
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Available, Electricity Available
InteriorBroadband, Garage Door Opener, Center Island
Sale & Financing
Listed7/9/2026
Terms AcceptedFHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,365
Tax Year2025
State Equalized Value$171,600
Taxable Value$104,649
Assessed Value$107,474
Homestead (PRE)100%
Parcel #61-06-121-200-0001-32
Source: Public Records
Legal Description
PART OF SW 1/4 OF NE 1/4 SEC 21 T11N R 17W DESC AS FOLLOWS COMM AT E 1/4 COR OF SD SEC 21 TH N 89D 43M 02S W ALG E/W 1/4 LN 1818.40 FT TO POB TH N 89D 43M 02S W ALG E/W 1/4 LN 173 FT TH N 0D 07M 27S W ALG W LN E 1/2 SW 1/4 NE 1/4 2 00 FT TH S 89D 43M 02S E 173 FT TH S 0D 07M 27S E 200 FT TO POB SD PARCEL CONTAINS .79 ACRES M/L S 33 FT SUBJ TO COUNTY RD PURPOSES TOGETHER ...(attached)
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 Marilyn K Tucker
Tucker Benner Realty LLC
Frequently Asked Questions about 4122 Duck Lake Road, Whitehall, MI 49461
Which school district serves 4122 Duck Lake Road, Whitehall, MI 49461?
Per MLS# 26035298, 4122 Duck Lake Road, Whitehall, MI 49461 is in the Reeths-Puffer boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Reeths-Puffer directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26035298, this listing accepts 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 4122 Duck Lake Road, Whitehall, MI 49461?
Per public tax records, annual property taxes for this property are $3,365 (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, 4122 Duck Lake 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 4122 Duck Lake 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 4122 Duck Lake 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.
Map
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Monthly payment$2,546
Principal & interest$2,546
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
4122 Duck Lake Road, Whitehall, MI 49461
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Municipality
Fruitland Township
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