For Sale
637 Ruddiman Drive, Muskegon, MI 49445
$250,000
MLS # 26032520 (Michigan Regional Information Center (MichRIC))
0.46 acres
1 / 11
Listing Description
175 ft of Muskegon Lake Frontage with incredible views. So many options for this beautiful lot, build a dock for your boat, make it a park like setting or leave it natural to enjoy the views from your home at 636 Ruddiman. New 'lending library' adds charm. This lot is available as ''first right of refusal'' to the buyers of 636 Ruddiman. It has been owned and enjoyed by the same family for over 50 years and offers incredible views from the yard and many windows of 636. If right of refusal is passed on, the right is extinguished. NOTE: Pump house for irrigation is system at 636 Ruddiman is located on this lot.
Source: SparkMLS
About this home
Currently offered at $250,000.
Annual property taxes run approximately $2,296 ($191/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 TypeLand
Property SubtypeLot
Bathrooms0
Lot Size0.46 acres
Location
CityMuskegon
MunicipalityNorth Muskegon City
Zip Code49445
CountyMuskegon
School DistrictNorth Muskegon
Construction & Systems
UtilitiesNatural Gas Available, Electricity Available, Cable Available, Storm Sewer, None
Sale & Financing
Listed7/2/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$2,296
Tax Year2025
Assessed Value$38,596
Parcel #23-168-061-0001-00
Source: SparkMLS
Legal Description
NORTH MUSKEGON CITY PART OF BLK 61 DESC AS: BEG ON SLY LN OF RUDDIMAN AVE N 68D 57M E 249.5 FT FROM NW COR BLK 62 TH ALG SD LN N 64D 35M 36S E 192.74 FT TH ALG SLY EXT OF MIDPT OF LOT 51 ASS'RS PLAT OF RUDDIMERE S 26D 57M 24S E 91.53 FT TO SHORE OF M USK LK TH S 46D 56M 25S W 154.76 FT ALG SD SHORE TH PAR W/ ELY LN OF SD BLK 62 N 44D 26M 15S W 146.43 FT TO POB
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Lynda Lear Balkema
Aldyn Breeze Realty LLC
Frequently Asked Questions about 637 Ruddiman Drive, Muskegon, MI 49445
What school district is 637 Ruddiman Drive, Muskegon, MI 49445 in?
Per MLS# 26032520, 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 financing options are available for 637 Ruddiman Drive, Muskegon, MI 49445?
Per MLS# 26032520, 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# 26032520, the most recent reported annual property tax for 637 Ruddiman Drive, Muskegon, MI 49445 is $2,296 (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 637 Ruddiman Drive, Muskegon, MI 49445 eligible for USDA financing?
Per USDA Rural Development boundary data, 637 Ruddiman Drive, Muskegon, MI 49445 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 637 Ruddiman Drive, Muskegon, MI 49445 is in flood zone AE (high risk). Flood insurance is required for federally-backed mortgages in this zone. 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. 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.
Map
Mortgage Calculator
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Monthly payment$1,621
Principal & interest$1,621
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
637 Ruddiman Drive, Muskegon, MI 49445
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Municipality
North Muskegon
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