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Single Family ResidenceResidential
$171,785$250 / 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 85How 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
Last sold for $150,000 on Feb 7, 2025

12 N BLACK RIVER RD

ONAWAY, MI 49765
2
Beds
1
Baths
688 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.

Valuation

$172K
$145K low$198K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$150,000 · Feb 7, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,401 (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.$68,200 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$136,400

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
57
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
45
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
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.20 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.1 percent flood zone

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.Cottage
CountyCHEBOYGAN
Lot (acres)The size of the land the home sits on, from county records.0.36
HeatingThe type of heating system in the home.Floor/Wall Furnace
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
East Elementary School
Elementary · Grades KG–2 · 15.1 mi
M
Cheboygan Middle School
Middle · Grades 6–7 · 15.5 mi
H
Cheboygan High SchoolB-
High · Grades 8–12 · 15.5 mi

District: Cheboygan Area Schools

Neighborhood · ZIP 49765These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.6%
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.2.1%
PopulationHow many people live in this area.4,274
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.17 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,557
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,233
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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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

12 N Black River Rd 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 65% of homes in Cheboygan County
  • Costs more per square foot than 78% of homes in Onaway 49765
  • Smaller than 94% of homes in Cheboygan County
  • Has a smaller lot than 76% of homes in Onaway 49765
  • Older than 89% of homes in Onaway 49765

What homes are worth in Onaway 49765

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

This home
$29K$598K

This home is worth more than 53% of homes in Onaway 49765.

How it measures up in Onaway 49765

The dot is this home. The mark in the middle is the typical home in Onaway 49765.

Estimated value$171,785
CheaperTypical $162,705Pricier

Pricier than 53% of homes nearby

Price per ft²$250
CheaperTypical $199Pricier

Pricier than 78% of homes nearby

Living area688 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 10% of homes nearby

Lot size0.36 ac
SmallerTypical 1.9 acBigger

Bigger than 24% of homes nearby

Year built1940
OlderTypical 1967Newer

Newer than 11% of homes nearby

How 12 N Black River Rd ranks against every home in each area.
MeasureThis homeOnaway 49765Cheboygan County
Estimated valuepricier than$171,78553% of homes35% of homes
Price per ft²pricier than$25078% of homes71% of homes
Living areabigger than688 ft²10% of homes6% of homes
Lot sizebigger than0.36 ac24% of homes25% of homes
Year builtnewer than194011% of homes12% of homes

About 12 N Black River Rd

How much is 12 N Black River Rd, Onaway, MI worth?

The TopHap Estimate for 12 N Black River Rd, Onaway, MI is $171,785 as of Aug 30, 2026. The likely range is $145,470 to $198,100. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 N Black River Rd, Onaway, MI last sell?

12 N Black River Rd, Onaway, MI last sold on Feb 7, 2025 for $150,000, according to the county's recorded deed.

How big is 12 N Black River Rd, Onaway, MI?

12 N Black River Rd, Onaway, MI has 2 bedrooms, 1 bathrooms, 688 square feet of living space and a 0.36-acre lot.

When was 12 N Black River Rd, Onaway, MI built?

12 N Black River Rd, Onaway, MI was built in 1940, making it 86 years old. It is a cottage home.

What schools serve 12 N Black River Rd, Onaway, MI?

12 N Black River Rd, Onaway, MI is assigned to East Elementary School (elementary); Cheboygan Middle School (middle); Cheboygan High School (high), rated B-. All sit in Cheboygan Area Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 N Black River Rd, Onaway, MI compare to other homes in Onaway 49765?

Among the 2,911 homes in Onaway 49765, it is worth more than 53% of them ($171,785 against a typical $162,705), its price per square foot is higher than 78% of them ($250 against a typical $199), it is bigger than 10% of them (688 ft² against a typical 1,344 ft²), its lot is bigger than 24% of them (0.36 ac against a typical 1.9 ac) and it is newer than 11% of them (1940 against a typical 1967). Measured against all of Cheboygan County, it is worth more than 35% 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 12 N Black River Rd, Onaway, MI?

The 2025 property tax bill for 12 N Black River Rd, Onaway, MI was $1,401. The county assessed it at $68,200.

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