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Single Family ResidenceResidential
$320,109$154 / 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 95How 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 $161,000 on Aug 26, 2019

315 E CONGRESS ST

BELDING, MI 48809
4
Beds
2
Baths
2,076 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1961
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$320K
$305K low$335K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$161,000 · Aug 26, 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.$168,359
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$134,687
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.46%
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.$101,750
AWARENESS HOME FUNDING · E · recorded May 13, 2009
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.$50,000
BYRON BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,345 (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.$147,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$130,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$138,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$294,000

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
CountyIONIA
Lot (acres)The size of the land the home sits on, from county records.0.20
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Belding Middle SchoolC
Middle · Grades 6–8 · 0.1 mi
H
Belding High SchoolD+
High · Grades 9–12 · 0.4 mi
E
Ellis Elementary School
Elementary · Grades PK–2 · 0.5 mi

District: Belding Area School District

Neighborhood · ZIP 48809These 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.127
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 100.17

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
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.1.5%
PopulationHow many people live in this area.11,765
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,613
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,863
Average tempThe average temperature here across a full year.47°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.46%

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

315 E Congress 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 more than 75% of homes in Ionia County
  • Costs less per square foot than 74% of homes in Belding 48809
  • Bigger than 88% of homes in Belding 48809
  • Has a smaller lot than 85% of homes in Ionia County

What homes are worth in Belding 48809

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

This home
$125K$634K

This home is worth more than 73% of homes in Belding 48809.

How it measures up in Belding 48809

The dot is this home. The mark in the middle is the typical home in Belding 48809.

Estimated value$320,109
CheaperTypical $248,900Pricier

Pricier than 73% of homes nearby

Price per ft²$154
CheaperTypical $185Pricier

Pricier than 26% of homes nearby

Living area2,076 ft²
SmallerTypical 1,384 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.2 ac
SmallerTypical 0.72 acBigger

Bigger than 23% of homes nearby

Year built1961
OlderTypical 1964Newer

Newer than 49% of homes nearby

How 315 E Congress St ranks against every home in each area.
MeasureThis homeBelding 48809Ionia County
Estimated valuepricier than$320,10973% of homes75% of homes
Price per ft²pricier than$15426% of homes36% of homes
Living areabigger than2,076 ft²88% of homes86% of homes
Lot sizebigger than0.2 ac23% of homes15% of homes
Year builtnewer than196149% of homes36% of homes

About 315 E Congress St

How much is 315 E Congress St, Belding, MI worth?

The TopHap Estimate for 315 E Congress St, Belding, MI is $320,109 as of Jul 14, 2026. The likely range is $304,758 to $335,460. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 315 E Congress St, Belding, MI last sell?

315 E Congress St, Belding, MI last sold on Aug 26, 2019 for $161,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 315 E Congress St, Belding, MI?

315 E Congress St, Belding, MI has 4 bedrooms, 2 bathrooms, 2,076 square feet of living space and a 0.20-acre lot.

When was 315 E Congress St, Belding, MI built?

315 E Congress St, Belding, MI was built in 1961, making it 65 years old. It is a ranch home.

What schools serve 315 E Congress St, Belding, MI?

315 E Congress St, Belding, MI is assigned to Belding Middle School (middle), rated C; Belding High School (high), rated D+; Ellis Elementary School (elementary). All sit in Belding Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 315 E Congress St, Belding, MI compare to other homes in Belding 48809?

Among the 3,918 homes in Belding 48809, it is worth more than 73% of them ($320,109 against a typical $248,900), its price per square foot is higher than 26% of them ($154 against a typical $185), it is bigger than 88% of them (2,076 ft² against a typical 1,384 ft²), its lot is bigger than 23% of them (0.2 ac against a typical 0.72 ac) and it is newer than 49% of them (1961 against a typical 1964). Measured against all of Ionia County, it is worth more than 75% 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 315 E Congress St, Belding, MI?

The 2025 property tax bill for 315 E Congress St, Belding, MI was $4,345. The county assessed it at $147,000.

Closest homes

More homes in Belding 48809

Assigned schools

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