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Single Family ResidenceResidential
$340,989$345 / 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 86How 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

12198 SW TORCH LAKE DR

RAPID CITY, MI 49676
2
Baths
988 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.
0.44 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.

Valuation

$341K
$292K low$390K 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.$340,989
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$272,791

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,319 (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.$169,600 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$143,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$339,200

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.37
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyANTRIM
Lot (acres)The size of the land the home sits on, from county records.0.44
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

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

H
Elk Rapids High SchoolA+
High · Grades 9–12 · 4.0 mi
M
Cherryland Middle SchoolA-
Middle · Grades 6–8 · 4.1 mi
E
Lakeland Elementary SchoolA-
Elementary · Grades PK–5 · 4.2 mi

District: Elk Rapids Schools

Neighborhood · ZIP 49676These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

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.65%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.3,262
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.62 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,488
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,515
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

12198 Sw Torch Lake Dr 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.

  • Costs more per square foot than 66% of homes in Antrim County
  • Smaller than 87% of homes in Rapid City 49676
  • Has a smaller lot than 77% of homes in Rapid City 49676
  • Older than 65% of homes in Antrim County

What homes are worth in Rapid City 49676

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

This home
$57K$2M

This home is worth more than 53% of homes in Rapid City 49676.

How it measures up in Rapid City 49676

The dot is this home. The mark in the middle is the typical home in Rapid City 49676.

Estimated value$340,989
CheaperTypical $311,173Pricier

Pricier than 53% of homes nearby

Price per ft²$345
CheaperTypical $401Pricier

Pricier than 41% of homes nearby

Living area988 ft²
SmallerTypical 1,656 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.44 ac
SmallerTypical 0.96 acBigger

Bigger than 23% of homes nearby

Year built1974
OlderTypical 1985Newer

Newer than 39% of homes nearby

How 12198 Sw Torch Lake Dr ranks against every home in each area.
MeasureThis homeRapid City 49676Antrim County
Estimated valuepricier than$340,98953% of homes61% of homes
Price per ft²pricier than$34541% of homes66% of homes
Living areabigger than988 ft²13% of homes19% of homes
Lot sizebigger than0.44 ac23% of homes28% of homes
Year builtnewer than197439% of homes35% of homes

About 12198 Sw Torch Lake Dr

How much is 12198 Sw Torch Lake Dr, Rapid City, MI worth?

The TopHap Estimate for 12198 Sw Torch Lake Dr, Rapid City, MI is $340,989 as of Jul 14, 2026. The likely range is $291,624 to $390,354. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12198 Sw Torch Lake Dr, Rapid City, MI last sell?

12198 Sw Torch Lake Dr, Rapid City, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12198 Sw Torch Lake Dr, Rapid City, MI?

12198 Sw Torch Lake Dr, Rapid City, MI has 2 bathrooms, 988 square feet of living space and a 0.44-acre lot.

When was 12198 Sw Torch Lake Dr, Rapid City, MI built?

12198 Sw Torch Lake Dr, Rapid City, MI was built in 1974, making it 52 years old. It is a ranch home.

What schools serve 12198 Sw Torch Lake Dr, Rapid City, MI?

12198 Sw Torch Lake Dr, Rapid City, MI is assigned to Elk Rapids High School (high), rated A+; Cherryland Middle School (middle), rated A-; Lakeland Elementary School (elementary), rated A-. All sit in Elk Rapids Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12198 Sw Torch Lake Dr, Rapid City, MI compare to other homes in Rapid City 49676?

Among the 2,700 homes in Rapid City 49676, it is worth more than 53% of them ($340,989 against a typical $311,173), its price per square foot is higher than 41% of them ($345 against a typical $401), it is bigger than 13% of them (988 ft² against a typical 1,656 ft²), its lot is bigger than 23% of them (0.44 ac against a typical 0.96 ac) and it is newer than 39% of them (1974 against a typical 1985). Measured against all of Antrim County, it is worth more than 61% 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 12198 Sw Torch Lake Dr, Rapid City, MI?

The 2025 property tax bill for 12198 Sw Torch Lake Dr, Rapid City, MI was $3,319. The county assessed it at $169,600.

Closest homes

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Assigned schools

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