For Sale
636 Ruddiman Drive, Muskegon, MI 49445
$850,000
MLS # 26032475 (Michigan Regional Information Center (MichRIC))
4 beds4 baths3,096 sqftBuilt 19280.42 acres
1 / 95
Listing Description
If walls could talk! This historic North Muskegon Colonial has been lovingly maintained by the same family for over 50 years. The classic 1928 architecture remains, while modern updates blend seamlessly. This stunning home features four bedrooms and 3.5 baths. A modern updated kitchen with plenty of cupboard space and granite counter tops (all stainless appliances remain). Recently painted in neutral colors, it is truly move-in ready. Bathrooms have been updated tastefully to complement the 1928 design. Newer windows, original hardwoods, tile, newer carpet, and built-ins galore. Everything about this home exudes tasteful décor, charm, and warmth while offering spacious rooms that host unique touches of a bygone era. The sunroom/library is a favorite sunny spot to cuddle up with a good book and morning coffee. Every room has been thoughtfully curated to provide a feeling of peace and relaxation. The solid brick exterior is surrounded by beautiful landscaping that has been cultivated
Source: SparkMLS
About this home
Located in North Muskegon in Muskegon, this property offers 4-bedroom, 4-bath, 3,096 sq ft, with original construction dating to 1928.
Asking $850,000 (about $275/sq ft).
Property tax estimate: $5,545 per year ($462/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
Bedrooms4
Bathrooms4
Living Area3,096 sqft
Lot Size0.42 acres
Year Built1928
Stories3
Location
CityMuskegon
MunicipalityNorth Muskegon City
Zip Code49445
CountyMuskegon
School DistrictNorth Muskegon
Construction & Systems
StyleColonial
ConstructionBrick
BasementDaylight, Full
Garage2 spaces
HeatingHot Water
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Cable Connected, Storm Sewer, High-Speed Internet
InteriorBroadband, Eat-in Kitchen
Sale & Financing
Listed7/1/2026
Terms AcceptedCash, FHA, VA Loan, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,545
Tax Year2025
Assessed Value$132,134
Parcel #23-548-000-0050-00
Source: SparkMLS
Legal Description
NORTH MUSKEGON CITY RUDDIMERE LOT 50 & LOT 51 EXC NELY 1/2 OF LOT 51
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 Lynda Lear Balkema
Aldyn Breeze Realty LLC
Frequently Asked Questions about 636 Ruddiman Drive, Muskegon, MI 49445
What school district is 636 Ruddiman Drive, Muskegon, MI 49445 in?
Per MLS# 26032475, this property is served by North Muskegon. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26032475, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26032475, the most recent reported annual property tax for 636 Ruddiman Drive, Muskegon, MI 49445 is $5,545 (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 636 Ruddiman Drive, Muskegon, MI 49445 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, 636 Ruddiman Drive, Muskegon, MI 49445 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: Consumers Energy Company. Gas: DTE Gas Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the North Muskegon City police department or the Muskegon County sheriff's office.
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Monthly payment$5,513
Principal & interest$5,513
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
636 Ruddiman Drive, Muskegon, MI 49445
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Municipality
North Muskegon
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