Lake White Cloud
Surrounded by nature
Median $169K·Walkability 3.6/10·Schools 4.0/10
This 42-acre community in Kent County offers spacious living with lot sizes of over two acres, providing residents plenty of room to spread out and enjoy privacy. The area features a mix of single-family homes and properties with rental potential, attracting both homeowners and investors looking for flexible living arrangements.
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Why people love it here
Lake life
- Lake White Cloud within walking distance
- 20 parks within 1 mile
- Smith Park: 4 min walk
- Beach in Village Of Morgan Area: 5 min walk
$169K median
- 1 recent sale
Notable nearby
Lake facts
MI DNRDepth, fish species, and motor restrictions sourced from MI DNR — coming soon.
Conventional Mortgage Calculator
Median home price in Lake White Cloud
Estimated Monthly Payment
$1,147/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Flood Risk
None
Not in flood zone
Nearest Park
Smith Park
0.1 mi
Parks Nearby
20
within 1 mile
Based on 3 rated schools nearby
Range: 3/10 to 5/10
School District: White Cloud Public Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Shamrock
Smith Park
+1 more
Playground in Village Of Morgan Area
Lake White Cloud
Beach in Village Of Morgan Area
North Country Trail Spur
To buy a median-priced Lake White Cloud home (around $169,000) at today's 6.67% 30-year fixed rate with 20% down, you'd need roughly $30k/year in household income to qualify — an estimated monthly payment of $1,140 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,140/mo | $30,403 |
| 10% (+PMI) | $1,312/mo | $34,992 |
| 5% (+PMI) | $1,370/mo | $36,536 |
Estimates use a 6.67% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Local Government · area-wide
City of White Cloud
Source: cityofwhitecloud.org · unconfirmed
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$899/yr in electricity from a typical rooftop solar system
Produces ~6,291 kWh/yr · offsets ~60% of a typical home's use
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Regional IOU; rural pockets Great Lakes Energy cooperative.
Confirm by addressServices for White Cloud · Source: cityofwhitecloud.org
Utility, solar, and service details for Lake White Cloud are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Lake White Cloud? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Lake White Cloud
- What do homes cost in Lake White Cloud?
- The median home value in Lake White Cloud is about $169,000. Individual prices vary by street, size, and condition.
- How active is the Lake White Cloud housing market?
- no homes are listed in Lake White Cloud right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Lake White Cloud?
- Lake White Cloud is served by White Cloud Public Schools. Its highest-rated assigned school is White Cloud Elementary School (5/10).
- Is Lake White Cloud walkable?
- Lake White Cloud scores 3.6/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Lake White Cloud
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