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Single Family ResidenceResidential
$306,373
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

15651 40 RD

ROCK, MI 49880
0
Baths
40 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$306K
$279K low$334K 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.$286,111
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$228,889
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.8%
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.$20,262
FIRST BANK UPPER MICHIGAN · recorded May 7, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,159 (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.$65,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$131,800

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.26
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
40
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
CountyDELTA
Lot (acres)The size of the land the home sits on, from county records.40.00
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.

E
Mid Peninsula SchoolC+
Elementary · Grades KG–12 · 9.8 mi

District: Mid Peninsula School District

Neighborhood · ZIP 49880These 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.163
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

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.64%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,064
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,393
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,515
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

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

15651 40 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 more than 78% of homes in Rock 49880
  • Has a bigger lot than 98% of homes in Delta County

What homes are worth in Rock 49880

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

This home
$77K$503K

This home is worth more than 78% of homes in Rock 49880.

How it measures up in Rock 49880

The dot is this home. The mark in the middle is the typical home in Rock 49880.

Estimated value$306,373
CheaperTypical $212,747Pricier

Pricier than 78% of homes nearby

Lot size40 ac
SmallerTypical 20 acBigger

Bigger than 86% of homes nearby

How 15651 40 Rd ranks against every home in each area.
MeasureThis homeRock 49880Delta County
Estimated valuepricier than$306,37378% of homes78% of homes
Lot sizebigger than40 ac86% of homes98% of homes

About 15651 40 Rd

How much is 15651 40 Rd, Rock, MI worth?

The TopHap Estimate for 15651 40 Rd, Rock, MI is $306,373 as of Jul 14, 2026. The likely range is $279,144 to $333,602. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 15651 40 Rd, Rock, MI last sell?

15651 40 Rd, Rock, MI last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 15651 40 Rd, Rock, MI?

15651 40 Rd, Rock, MI is assigned to Mid Peninsula School (elementary), rated C+. All sit in Mid Peninsula School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 15651 40 Rd, Rock, MI compare to other homes in Rock 49880?

Among the 942 homes in Rock 49880, it is worth more than 78% of them ($306,373 against a typical $212,747) and its lot is bigger than 86% of them (40 ac against a typical 20 ac). Measured against all of Delta County, it is worth more than 78% 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 15651 40 Rd, Rock, MI?

The 2025 property tax bill for 15651 40 Rd, Rock, MI was $1,159. The county assessed it at $65,900.

Closest homes

More homes in Rock 49880

Assigned schools

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