For Sale
8705 E James Street, White Cloud, MI 49349
$114,900
MLS # 26012982 (Michigan Regional Information Center (MichRIC))
2 beds2 baths1,220 sqftBuilt 19400.13 acres
1 / 27
Listing Description
2 bed 2 bath cottage close to Newaygo State Park and the Muskegon River/Hardy Dam Pond. Tons of upside on this fixer upper. Seller looking for cash offers but would consider a conventional offer. Property is winterized and no utilities are currently on. The house features a relatively open layout and a detached oversized 1 stall garage. It sits on a slab and has wall heaters along with hard lined gas fireplaces. Amazing opportunity to join a local dock association that is just steps away to keep your boat on the Muskegon River/Hardy Dam frontage.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,220 sq ft home in White Cloud built in 1940.
Asking $114,900 (about $94/sq ft).
Property tax estimate: $962 per year ($80/month). 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
Bedrooms2
Bathrooms2
Living Area1,220 sqft
Lot Size0.13 acres
Year Built1940
Stories1
Location
CityWhite Cloud
MunicipalityBig Prairie Twp
Zip Code49349
CountyNewaygo
School DistrictWhite Cloud
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementSlab
Garage2 spaces
HeatingWall Furnace, Other
WaterWell
SewerSeptic Tank
UtilitiesElectricity Available
InteriorEat-in Kitchen
Sale & Financing
Listed3/31/2026
Original Price$119,900
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$962
Tax Year2025
Assessed Value$27,309
Parcel #16-14-237-009
Source: SparkMLS
Legal Description
LOT 107 3RD ADD TO IDA J. WESTGATE PLAT
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 Reed Hrynewich
Five Star Real Estate
Frequently Asked Questions about 8705 E James Street, White Cloud, MI 49349
What school district is 8705 E James Street, White Cloud, MI 49349 in?
Per MLS# 26012982, 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# 26012982, 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# 26012982, the most recent reported annual property tax for 8705 E James Street, White Cloud, MI 49349 is $962 (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 8705 E James Street, 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, 8705 E James Street, 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 Big Prairie Twp police department or the Newaygo County sheriff's office.
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Monthly payment$745
Principal & interest$745
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
8705 E James Street, White Cloud, MI 49349
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