Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$184,252
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 94How 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

20809 EMERALD LN

BIG RAPIDS, MI 49307
0
Baths
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$184K
$174K low$195K 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.$37,452
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$29,962
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.95%
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.$93,000
THE HUNTINGTON NATIONAL BANK · recorded Sep 13, 2021
2nd 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.$53,800
THE HUNTINGTON NATIONAL BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,580 (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.$102,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$98,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$204,800

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.17
52
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
14
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.16 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
CountyMECOSTA
Lot (acres)The size of the land the home sits on, from county records.0.39
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

M
Big Rapids Middle SchoolC+
Middle · Grades 5–8 · 2.1 mi
E
Brookside Elementary SchoolA-
Elementary · Grades PK–4 · 2.4 mi
H
Big Rapids High SchoolB-
High · Grades 9–12 · 3.3 mi

District: Big Rapids Public Schools

Neighborhood · ZIP 49307These 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.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

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.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.17,484
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.125 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,905
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,799
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.35 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.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

20809 Emerald Ln 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.

  • Has a smaller lot than 69% of homes in Mecosta County

What homes are worth in Big Rapids 49307

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

This home
$45K$525K

This home is worth more than 43% of homes in Big Rapids 49307.

How it measures up in Big Rapids 49307

The dot is this home. The mark in the middle is the typical home in Big Rapids 49307.

Estimated value$184,252
CheaperTypical $200,641Pricier

Pricier than 43% of homes nearby

Lot size0.39 ac
SmallerTypical 0.77 acBigger

Bigger than 35% of homes nearby

How 20809 Emerald Ln ranks against every home in each area.
MeasureThis homeBig Rapids 49307Mecosta County
Estimated valuepricier than$184,25243% of homes48% of homes
Lot sizebigger than0.39 ac35% of homes31% of homes

About 20809 Emerald Ln

How much is 20809 Emerald Ln, Big Rapids, MI worth?

The TopHap Estimate for 20809 Emerald Ln, Big Rapids, MI is $184,252 as of Jul 14, 2026. The likely range is $173,576 to $194,928. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20809 Emerald Ln, Big Rapids, MI last sell?

20809 Emerald Ln, Big Rapids, MI last sold on Jun 20, 2017, according to the county's recorded deed.

What schools serve 20809 Emerald Ln, Big Rapids, MI?

20809 Emerald Ln, Big Rapids, MI is assigned to Big Rapids Middle School (middle), rated C+; Brookside Elementary School (elementary), rated A-; Big Rapids High School (high), rated B-. All sit in Big Rapids Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20809 Emerald Ln, Big Rapids, MI compare to other homes in Big Rapids 49307?

Among the 5,463 homes in Big Rapids 49307, it is worth more than 43% of them ($184,252 against a typical $200,641) and its lot is bigger than 35% of them (0.39 ac against a typical 0.77 ac). Measured against all of Mecosta County, it is worth more than 48% 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 20809 Emerald Ln, Big Rapids, MI?

The 2025 property tax bill for 20809 Emerald Ln, Big Rapids, MI was $1,580. The county assessed it at $102,400.

Closest homes

More homes in Big Rapids 49307

Assigned schools

Explore the area

See this home in context

Open 20809 Emerald Ln on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map