Pending
81 S Gibbs Street, White Cloud, MI 49349
$44,910
MLS # 26017349 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,213 sqftBuilt 19400.26 acres
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Listing Description
Unlock the potential in this three-bedroom, one-bathroom fixer-upper, perfectly suited for a seasoned investor or a buyer ready to take on a total renovation. Located in a convenient pocket near local shops and restaurants, this property offers a peaceful small-town atmosphere with easy access to every daily essential. Please note that the home requires extensive work and a complete overhaul from top to bottom, making it the ideal project for those looking to strip a house back to the studs and rebuild it with their own vision. If you are looking for a true 'diamond in the rough' where you can roll up your sleeves and add serious value through hard work, this is the opportunity you've been waiting for. Seller is also offering land contract terms with 20% down.
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,213 sq ft home in White Cloud in White Cloud built in 1940.
Listed at $44,910 (about $37/sq ft).
Estimated annual property tax: $2,200, or about $183 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 Area1,213 sqft
Lot Size0.26 acres
Year Built1940
Stories1
Location
CityWhite Cloud
MunicipalityWhite Cloud City
Zip Code49349
CountyNewaygo
School DistrictWhite Cloud
Construction & Systems
StyleTraditional
ConstructionVinyl Siding, Wood Siding
BasementMichigan Basement
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Natural Gas Connected
Sale & Financing
Listed5/25/2026
Original Price$49,900
Terms AcceptedCash
Source: SparkMLS
Tax Information
Annual Tax$2,200
Tax Year2025
Assessed Value$25,165
Parcel #1505129004
Source: SparkMLS
Legal Description
LOTS 40 & 41 EXC W 57 FT VILLAGE OF MORGAN
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 Lisa Lightfoot
Coldwell Banker Schmidt Fremont
Frequently Asked Questions about 81 S Gibbs Street, White Cloud, MI 49349
Which school district serves 81 S Gibbs Street, White Cloud, MI 49349?
Per MLS# 26017349, 81 S Gibbs Street, White Cloud, MI 49349 is in the White Cloud boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact White Cloud directly to confirm enrollment eligibility.
What financing options are available for 81 S Gibbs Street, White Cloud, MI 49349?
Per MLS# 26017349, this listing accepts Cash financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 81 S Gibbs Street, White Cloud, MI 49349?
Per public tax records, annual property taxes for this property are $2,200 (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, 81 S Gibbs Street, White Cloud, MI 49349 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 81 S Gibbs Street, White Cloud, MI 49349 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 utilities serve 81 S Gibbs Street, White Cloud, MI 49349?
Per Michigan Public Service Commission service territory data: Electric: Great Lakes Energy Cooperative. Gas: DTE Gas Company. Sewer: Public. Water: Public. 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 White Cloud City police department or the Newaygo County sheriff's office.
Map
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Monthly payment$291
Principal & interest$291
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
81 S Gibbs Street, White Cloud, MI 49349
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Municipality
White Cloud
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