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Single Family ResidenceResidential
$197,285$206 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 EXCHANGE ST SE

GRAND RAPIDS, MI 49548
2
Beds
1
Baths
960 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
690 ft²
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$197K
$180K low$215K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$128,316
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$102,653
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.37%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$68,969
JPMORGAN CHASE BANK NA · recorded Jun 25, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,146 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$89,800 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$81,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$179,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.36
18
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.2 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyKENT
Lot (acres)The size of the land the home sits on, from county records.0.01
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
North Godwin Elementary SchoolC-
Elementary · Grades 2–5 · 0.4 mi
H
Godwin Heights Senior High SchoolB-
High · Grades 9–12 · 0.4 mi
M
Godwin Heights Middle SchoolB-
Middle · Grades 5–8 · 0.4 mi

District: Godwin Heights Public Schools

Neighborhood · ZIP 49548These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.89
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.35,310
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,391 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,248
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,593
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Exchange St Se measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 92% of homes in Kent County
  • Costs less per square foot than 72% of homes in Kent County
  • Smaller than 89% of homes in Kent County
  • Has a smaller lot than 98% of homes in Kent County
  • Older than 87% of homes in Grand Rapids 49548

What homes are worth in Grand Rapids 49548

Each bar is how many homes fall in that price range. The marker is this home.

This home
$123K$385K

This home is worth more than 23% of homes in Grand Rapids 49548.

How it measures up in Grand Rapids 49548

The dot is this home. The mark in the middle is the typical home in Grand Rapids 49548.

Estimated value$197,285
CheaperTypical $237,620Pricier

Pricier than 23% of homes nearby

Price per ft²$206
CheaperTypical $228Pricier

Pricier than 33% of homes nearby

Living area960 ft²
SmallerTypical 1,015 ft²Bigger

Bigger than 42% of homes nearby

Lot size690 ft²
SmallerTypical 0.18 acBigger

Bigger than 16% of homes nearby

Year built1930
OlderTypical 1955Newer

Newer than 13% of homes nearby

How 109 Exchange St Se ranks against every home in each area.
MeasureThis homeGrand Rapids 49548Kent County
Estimated valuepricier than$197,28523% of homes8% of homes
Price per ft²pricier than$20633% of homes28% of homes
Living areabigger than960 ft²42% of homes11% of homes
Lot sizebigger than690 ft²16% of homes2% of homes
Year builtnewer than193013% of homes21% of homes

About 109 Exchange St Se

How much is 109 Exchange St Se, Grand Rapids, MI worth?

The TopHap Estimate for 109 Exchange St Se, Grand Rapids, MI is $197,285 as of Jul 14, 2026. The likely range is $179,929 to $214,641. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Exchange St Se, Grand Rapids, MI last sell?

109 Exchange St Se, Grand Rapids, MI last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 109 Exchange St Se, Grand Rapids, MI?

109 Exchange St Se, Grand Rapids, MI has 2 bedrooms, 1 bathrooms, 960 square feet of living space and a 0.01-acre lot.

When was 109 Exchange St Se, Grand Rapids, MI built?

109 Exchange St Se, Grand Rapids, MI was built in 1930, making it 96 years old. The building has 1 story.

What schools serve 109 Exchange St Se, Grand Rapids, MI?

109 Exchange St Se, Grand Rapids, MI is assigned to North Godwin Elementary School (elementary), rated C-; Godwin Heights Senior High School (high), rated B-; Godwin Heights Middle School (middle), rated B-. All sit in Godwin Heights Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Exchange St Se, Grand Rapids, MI compare to other homes in Grand Rapids 49548?

Among the 9,141 homes in Grand Rapids 49548, it is worth more than 23% of them ($197,285 against a typical $237,620), its price per square foot is higher than 33% of them ($206 against a typical $228), it is bigger than 42% of them (960 ft² against a typical 1,015 ft²), its lot is bigger than 16% of them (690 ft² against a typical 0.18 ac) and it is newer than 13% of them (1930 against a typical 1955). Measured against all of Kent County, it is worth more than 8% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Exchange St Se, Grand Rapids, MI?

The 2025 property tax bill for 109 Exchange St Se, Grand Rapids, MI was $1,146. The county assessed it at $89,800.

Closest homes

More homes in Grand Rapids 49548

Assigned schools

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