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Single Family ResidenceResidential
$244,336$229 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

1098 HOWARD ST

OTSEGO, MI 49078
3
Beds
1.5
Baths
1,068 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.
0.7 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
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

$244K
$234K low$255K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,187 (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.$119,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$112,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$121,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$239,600

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.63 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyALLEGAN
Lot (acres)The size of the land the home sits on, from county records.0.70
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
Dix Street Elementary SchoolC
Elementary · Grades PK–5 · 0.4 mi
M
Otsego Middle SchoolB
Middle · Grades 6–8 · 1.2 mi
H
Otsego High SchoolA
High · Grades 9–12 · 1.2 mi

District: Otsego Public Schools

Neighborhood · ZIP 49078These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.75
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.9,851
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.188 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,792
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,213
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

1098 Howard St 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 75% of homes in Allegan County
  • Costs more per square foot than 77% of homes in Otsego 49078
  • Smaller than 84% of homes in Allegan County
  • Older than 78% of homes in Allegan County

What homes are worth in Otsego 49078

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

This home
$117K$547K

This home is worth more than 43% of homes in Otsego 49078.

How it measures up in Otsego 49078

The dot is this home. The mark in the middle is the typical home in Otsego 49078.

Estimated value$244,336
CheaperTypical $264,212Pricier

Pricier than 43% of homes nearby

Price per ft²$229
CheaperTypical $189Pricier

Pricier than 77% of homes nearby

Living area1,068 ft²
SmallerTypical 1,430 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.7 ac
SmallerTypical 0.62 acBigger

Bigger than 53% of homes nearby

Year built1955
OlderTypical 1974Newer

Newer than 36% of homes nearby

How 1098 Howard St ranks against every home in each area.
MeasureThis homeOtsego 49078Allegan County
Estimated valuepricier than$244,33643% of homes25% of homes
Price per ft²pricier than$22977% of homes49% of homes
Living areabigger than1,068 ft²17% of homes16% of homes
Lot sizebigger than0.7 ac53% of homes43% of homes
Year builtnewer than195536% of homes22% of homes

About 1098 Howard St

How much is 1098 Howard St, Otsego, MI worth?

The TopHap Estimate for 1098 Howard St, Otsego, MI is $244,336 as of Aug 30, 2026. The likely range is $233,550 to $255,122. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1098 Howard St, Otsego, MI last sell?

1098 Howard St, Otsego, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1098 Howard St, Otsego, MI?

1098 Howard St, Otsego, MI has 3 bedrooms, 1.5 bathrooms, 1,068 square feet of living space and a 0.70-acre lot.

When was 1098 Howard St, Otsego, MI built?

1098 Howard St, Otsego, MI was built in 1955, making it 71 years old. It is a ranch home. The building has 1 story.

What schools serve 1098 Howard St, Otsego, MI?

1098 Howard St, Otsego, MI is assigned to Dix Street Elementary School (elementary), rated C; Otsego Middle School (middle), rated B; Otsego High School (high), rated A. All sit in Otsego Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1098 Howard St, Otsego, MI compare to other homes in Otsego 49078?

Among the 3,540 homes in Otsego 49078, it is worth more than 43% of them ($244,336 against a typical $264,212), its price per square foot is higher than 77% of them ($229 against a typical $189), it is bigger than 17% of them (1,068 ft² against a typical 1,430 ft²), its lot is bigger than 53% of them (0.7 ac against a typical 0.62 ac) and it is newer than 36% of them (1955 against a typical 1974). Measured against all of Allegan County, it is worth more than 25% 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 1098 Howard St, Otsego, MI?

The 2025 property tax bill for 1098 Howard St, Otsego, MI was $2,187. The county assessed it at $119,800.

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