For Sale
4701 S Spruce Avenue, White Cloud, MI 49349
$290,000
MLS # 26026930 (Michigan Regional Information Center (MichRIC))
3 beds1 bath729 sqftBuilt 19550.51 acres
1 / 32
Listing Description
Escape to peaceful lake life with this charming 3 bedroom, 1 bath cottage on beautiful Utley Lake in White Cloud. Nestled on a spring fed no wake lake, this property offers perfect setting for relaxing weekends, fishing, kayaking, and making unforgettable memories. Enjoy an incredible 120 ft of private waterfrontage. Has been previously used as an air bnb with a special use permit from the twp. Whether you're looking for a quiet getaway, or summer retreat, this cottage delivers the up north feel while still being conveniently located in Newaygo County near trails recreation, and outdoor adventure. Don't miss out on this one.
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 729 sq ft home built in 1955 sits in White Cloud.
Listed at $290,000 (about $398/sq ft).
Estimated annual property tax: $3,572, or about $298 monthly. 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.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area729 sqft
Lot Size0.51 acres
Year Built1955
Stories1
Location
CityWhite Cloud
MunicipalityEverett Twp
Zip Code49349
CountyNewaygo
School DistrictWhite Cloud
Construction & Systems
StyleCabin
ConstructionWood Siding
BasementSlab
Garage1 space
HeatingOther
WaterWell
SewerSeptic Tank
UtilitiesElectricity Available
Sale & Financing
Listed6/3/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,572
Tax Year2025
Assessed Value$64,392
Parcel #15-33-490-001
Source: SparkMLS
Legal Description
LOTS 13 & 14 & 15 GLENWOOD COVE
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 Nina Schillman
Berkshire Hathaway HomeServices Michigan Real Estate (Rock)
Frequently Asked Questions about 4701 S Spruce Avenue, White Cloud, MI 49349
What school district is 4701 S Spruce Avenue, White Cloud, MI 49349 in?
Per MLS# 26026930, this property is served by White Cloud. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 4701 S Spruce Avenue, White Cloud, MI 49349?
Per MLS# 26026930, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26026930, the most recent reported annual property tax for 4701 S Spruce Avenue, White Cloud, MI 49349 is $3,572 (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.
Is 4701 S Spruce Avenue, White Cloud, MI 49349 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 4701 S Spruce Avenue, White Cloud, MI 49349 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Everett Twp police department or the Newaygo County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$1,881
Principal & interest$1,881
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
4701 S Spruce Avenue, White Cloud, MI 49349
View full property history →
Get email alerts for new listings near 4701 S Spruce Avenue
We’ll notify you when new listings match your interests.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.