Sold
640 S Oak Avenue, White Cloud, MI 49349
Sold on 02/20/2026 for$272,000
MLS # 25057602 (Michigan Regional Information Center (MichRIC))
4 beds2 baths1,271 sqftBuilt 19559 acres
1 / 51
Listing Description
This quaint and energy-efficient farmhouse on 9 partially wooded acres has barns, coops, sheds and a pond and is equipped for self sufficiency. Comfortable interior with 4 bedrooms, primary on the main level, and 2 full baths, formal dining room and main floor laundry. Basement workshop with plenty of room for future workspace. Geo thermal heating and cooling with UG sprinkling and huge gardening area.
Source: SparkMLS
About this home
Located in White Cloud, this property offers 4-bedroom, 2-bath, 1,271 sq ft, with original construction dating to 1955.
Final sale price: $272,000 (about $214/sq ft).
Annual property taxes run approximately $2,212 ($184/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 1,000 Mbps across 6 providers. Electric service is provided by Great Lakes Energy Cooperative; natural gas by DTE Gas Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms2
Living Area1,271 sqft
Lot Size9 acres
Year Built1955
Stories2
Location
CityWhite Cloud
MunicipalityEverett Twp
Zip Code49349
CountyNewaygo
School DistrictWhite Cloud
Construction & Systems
StyleFarmhouse
ConstructionWood Siding
BasementFull
Garage3 spaces
HeatingForced Air, Wood
WaterPrivate Water, Well
SewerSeptic Tank
UtilitiesPhone Available, Extra Well
InteriorBroadband
Sale & Financing
Listed11/9/2025
Sold Date2/19/2026
Terms AcceptedCash, Conventional
Concessions$8,160
Source: SparkMLS
Tax Information
Annual Tax$2,212
Tax Year2025
Assessed Value$64,626
Parcel #15-01-300-019
Source: SparkMLS
Legal Description
POLP: NW 1/4 SW 1/4 EXC N 693 FT, ALSO N 613 FT OF W 1/2 SW 1/4 SW 1/4 EXC S 124 FT OF W 150 FT. 28A M/L SEC 1, T13N R12W
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 Mary E MacKercher
Coldwell Banker Schmidt Realtors
Frequently Asked Questions about 640 S Oak Avenue, White Cloud, MI 49349
What school district is 640 S Oak Avenue, White Cloud, MI 49349 in?
Per MLS# 25057602, 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 type of financing is accepted for this listing?
Per MLS# 25057602, 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# 25057602, the most recent reported annual property tax for 640 S Oak Avenue, White Cloud, MI 49349 is $2,212 (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 640 S Oak 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, 640 S Oak 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.
Is fiber internet available at 640 S Oak Avenue, White Cloud, MI 49349?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 1.0 Gbps. 6 internet providers serve this address. Confirm availability and speeds directly with providers.
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: Private 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.
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Monthly payment$1,784
Principal & interest$1,784
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1 Gbps
Upload
1 Gbps
FiberGSO SatelliteUnlicensed Fixed WirelessSatelliteLicensed Fixed Wireless
6 providers at this address
TruestreamFiber
1 GbpsStarlinkGSO Satellite
280 MbpsMercury FiberUnlicensed Fixed Wireless
150 MbpsViasat IncSatellite
100 MbpsHughesNetSatellite
50 MbpsPoint Broadband Fiber Holding LLCLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Great Lakes Energy Cooperative
Co-op
DTE Gas Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
640 S Oak Avenue, White Cloud, MI 49349
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