For Sale
4122 W Duck Lake Road, Whitehall, MI 49461
$392,500
MLS # 26004691 (Michigan Regional Information Center (MichRIC))
5 beds3 baths1,425 sqftBuilt 20050.79 acres
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Listing Description
This spacious 4-5 bed, 3 full bath home has 2,700+ sq ft of living space. VA/RD eligible. The main living area is open with a vaulted ceiling. The kitchen features an island, solid surface countertops, ample cabinet space plus appliances. Primary bedroom has a full bath ensuite and walk in closet. The finished lower level includes a family room with a built-in bar & perfect for pool table. Daylight windows in the full basement bring in natural light. Recent updates include luxury vinyl tile flooring, carpet, 2 new toilets and 2 yr old furnace. The back deck with stairs leads to a platform deck and space (wired) for a hot tub. The yard features a cement pad basketball hoop, a sand volleyball court and a privacy fence. Also included is a 2-stall attached garage and a 30x40 pole barn with cement floor. Reeths-Puffer Schools with natural gas, central air and high speed internet. (One lower level bedroom is nonconforming.) Lk MI is 4 miles West. Duck Creek Nature Area is one driveway away.
Source: SparkMLS
About this home
5-bedroom, 3-bath, 1,425 sq ft home in Fruitland Township in Whitehall built in 2005.
Currently offered at $392,500 (about $275/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. Broadband is available with download speeds up to 1,200 Mbps from 4 providers.
Tour
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms5
Bathrooms3
Living Area1,425 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
Listed2/8/2026
Original Price$429,900
Terms AcceptedFHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,365
Tax Year2025
State Equalized Value$171,600
Taxable Value$104,649
Assessed Value$104,649
Homestead (PRE)100%
Parcel #61-06-121-200-0001-32
Source: Public Records
Legal Description
FRUITLAND TOWNSHIP 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 . long legal on file
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 W Duck Lake Road, Whitehall, MI 49461
Which school district serves 4122 W Duck Lake Road, Whitehall, MI 49461?
Per MLS# 26004691, 4122 W 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 financing options are available for 4122 W Duck Lake Road, Whitehall, MI 49461?
Per MLS# 26004691, this listing accepts FHA, VA Loan, Rural Development, 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 W 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 W 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 W 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is not currently available at 4122 W Duck Lake Road, Whitehall, MI 49461. The maximum advertised download speed is 1.2 Gbps. 4 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 4122 W 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.
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Mortgage Calculator
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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.
Internet
Download
1.2 Gbps
Upload
35 Mbps
CableGSO SatelliteSatellite
4 providers at this address
XfinityCable
1.2 GbpsStarlinkGSO Satellite
280 MbpsHughesNetSatellite
100 MbpsViasat IncSatellite
100 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4122 W Duck Lake Road, Whitehall, MI 49461
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Municipality
Fruitland Township
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