Lake White Cloud Area
Room to spread out, great value
The quick answer
Lake White Cloud Area is a neighborhood, part of White Cloud Public Schools. Homes here typically sell for around $195,000.
2 homes for sale·Median $195K·Walkability 2.5/10·Schools 4.0/10
Early morning light cuts through the trees here, when the White River valley still feels like your own discovery. Village of Morgan Area sprawls across 901 acres of mixed woodland and open land—the kind of space where a 4.77-acre lot feels normal, not extravagant. You're about 70 minutes from downtown Grand Rapids, which means you've chosen something deliberately removed from the metro pulse; homes run around $211K. The White River itself, famous for brown trout and calm kayaking, threads through the broader White Cloud area, and you're positioned to access that outdoor draw without being right on the bank. Six parks sit within a mile, anchoring this as genuinely rural Michigan rather than suburban sprawl. White Cloud Public Schools serves the area. A nine-minute walk lands you at an unnamed park—short enough that kids actually go. Winter here is real. Summer is yours.
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Why people love it here
4.3 acre avg lots
- 119 homes
$195K median
- 9 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Lake White Cloud Area
Estimated Monthly Payment
$1,324/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.
9 homes sold in Lake White Cloud Area this year. Thinking of selling?
See what your home is worthMedian Sale Price
$195K
9 sales in last 12mo
Parks Nearby
30
within 1 mile
Nearest Park
Unnamed park
0.4 mi
Expected Rent
$1,000/mo
$875 – $1,125 · estimated range
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
Park in Village Of Morgan Area
+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 Area home (around $195,000) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $35k/year in household income to qualify — an estimated monthly payment of $1,313 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,313/mo | $35,026 |
| 10% (+PMI) | $1,512/mo | $40,314 |
| 5% (+PMI) | $1,578/mo | $42,091 |
Estimates use a 6.65% 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.
Land for sale
Listings
3 parcels
Active / pending
Typical Land Value
$47K/acre
Median asking
Median Price
$75K
Per listing
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
~$913/yr in electricity from a typical rooftop solar system
Produces ~6,390 kWh/yr · offsets ~61% 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 Area 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.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.4 mi
Parks Nearby
30
within 1 mile
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Lake White Cloud Area? Our team can help with availability, schools, and what it's really like to live here.
Living in Lake White Cloud Area: the details
Is Lake White Cloud Area a good place to live?
Lake White Cloud Area suits buyers looking for room to spread out on larger lots — here is what the data shows. For getting around, it is mostly a drive-first area, so you will use a car for groceries, dining and errands. This neighborhood is part of White Cloud Public Schools. The going price is around $195,000.
What does it cost to live in Lake White Cloud Area?
The median home value in Lake White Cloud Area is about $195,000. There are 2 homes for sale here right now and 9 homes sold here in the past year.
Frequently asked about Lake White Cloud Area
- What do homes cost in Lake White Cloud Area?
- The median home value in Lake White Cloud Area is about $195,000. Individual prices vary by street, size, and condition.
- How active is the Lake White Cloud Area housing market?
- there are 2 homes for sale in Lake White Cloud Area right now, and 9 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Lake White Cloud Area?
- Lake White Cloud Area is served by White Cloud Public Schools. Its highest-rated assigned school is White Cloud Elementary School (5/10).
- Is Lake White Cloud Area walkable?
- Lake White Cloud Area scores 2.5/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
