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Single Family ResidenceResidential
$181,784$143 / 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 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
Last sold for $110,000 on Sep 12, 2019

21981 HARDING ST

ROCKWOOD, MI 48173
2
Baths
1,274 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1939
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

$182K
$170K low$193K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$110,000 · Sep 12, 2019
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.$69,784
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$55,827
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.67%
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.$112,000
FIFTH THIRD BANK NA · recorded Apr 5, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,600 (2023)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$91,500 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$81,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$183,000

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.9 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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyWayne
Lot (acres)The size of the land the home sits on, from county records.0.16
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

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

E
Chapman Elementary SchoolB
Elementary · Grades PK–5 · 0.9 mi
H
Carlson High SchoolB
High · Grades 9–12 · 2.1 mi
M
Shumate Middle SchoolC+
Middle · Grades 6–8 · 2.1 mi

District: Gibraltar School District

Neighborhood · ZIP 48173These 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.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.7%
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.13,000
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.759 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,813
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,981
Average tempThe average temperature here across a full year.49°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.53%

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

21981 Harding 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 70% of homes in Rockwood 48173
  • Smaller than 71% of homes in Rockwood 48173
  • Has a smaller lot than 73% of homes in Rockwood 48173
  • Older than 92% of homes in Rockwood 48173

What homes are worth in Rockwood 48173

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

This home
$67K$489K

This home is worth more than 30% of homes in Rockwood 48173.

How it measures up in Rockwood 48173

The dot is this home. The mark in the middle is the typical home in Rockwood 48173.

Estimated value$181,784
CheaperTypical $220,157Pricier

Pricier than 30% of homes nearby

Price per ft²$143
CheaperTypical $147Pricier

Pricier than 45% of homes nearby

Living area1,274 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.16 ac
SmallerTypical 0.22 acBigger

Bigger than 27% of homes nearby

Year built1939
OlderTypical 1971Newer

Newer than 8% of homes nearby

How 21981 Harding St ranks against every home in each area.
MeasureThis homeRockwood 48173Wayne County
Estimated valuepricier than$181,78430% of homes55% of homes
Price per ft²pricier than$14345% of homes54% of homes
Living areabigger than1,274 ft²29% of homes51% of homes
Lot sizebigger than0.16 ac27% of homes65% of homes
Year builtnewer than19398% of homes27% of homes

About 21981 Harding St

How much is 21981 Harding St, Rockwood, MI worth?

The TopHap Estimate for 21981 Harding St, Rockwood, MI is $181,784 as of Jul 14, 2026. The likely range is $170,363 to $193,205. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21981 Harding St, Rockwood, MI last sell?

21981 Harding St, Rockwood, MI last sold on Sep 12, 2019 for $110,000, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 21981 Harding St, Rockwood, MI?

21981 Harding St, Rockwood, MI has 2 bathrooms, 1,274 square feet of living space and a 0.16-acre lot.

When was 21981 Harding St, Rockwood, MI built?

21981 Harding St, Rockwood, MI was built in 1939, making it 87 years old. It is a ranch home. The building has 1 story.

What schools serve 21981 Harding St, Rockwood, MI?

21981 Harding St, Rockwood, MI is assigned to Chapman Elementary School (elementary), rated B; Carlson High School (high), rated B; Shumate Middle School (middle), rated C+. All sit in Gibraltar School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21981 Harding St, Rockwood, MI compare to other homes in Rockwood 48173?

Among the 4,703 homes in Rockwood 48173, it is worth more than 30% of them ($181,784 against a typical $220,157), its price per square foot is higher than 45% of them ($143 against a typical $147), it is bigger than 29% of them (1,274 ft² against a typical 1,620 ft²), its lot is bigger than 27% of them (0.16 ac against a typical 0.22 ac) and it is newer than 8% of them (1939 against a typical 1971). Measured against all of Wayne County, it is worth more than 55% 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 21981 Harding St, Rockwood, MI?

The 2023 property tax bill for 21981 Harding St, Rockwood, MI was $3,600. The county assessed it at $91,500.

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Assigned schools

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