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Single Family ResidenceResidential
$181,161$172 / 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 Sep 24, 2026
Last sold for $125,000 on Oct 23, 2018

322 W RIVER ST

OTSEGO, MI 49078
3
Beds
1
Baths
1,056 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$181K
$170K low$192K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$125,000 · Oct 23, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,609 (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.$70,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$57,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$140,000

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
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
13
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.35 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.1 percent flood zone

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
CountyALLEGAN
Lot (acres)The size of the land the home sits on, from county records.0.22
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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(7)

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.

E
Washington Street Elementary SchoolB+
Elementary · Grades PK–5 · 0.3 mi
H
Otsego High SchoolB
High · Grades 9–12 · 0.7 mi
M
Otsego Middle SchoolB
Middle · Grades 6–8 · 0.7 mi

District: Otsego Public Schools

Neighborhood · ZIP 49078These 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.75
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.9,851
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.188 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,792
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,213
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

322 W River 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 91% of homes in Allegan County
  • Costs less per square foot than 81% of homes in Allegan County
  • Smaller than 85% of homes in Allegan County
  • Has a smaller lot than 86% of homes in Allegan County

What homes are worth in Otsego 49078

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

This home
$119K$548K

This home is worth more than 14% of homes in Otsego 49078.

How it measures up in Otsego 49078

The dot is this home. The mark in the middle is the typical home in Otsego 49078.

Estimated value$181,161
CheaperTypical $273,759Pricier

Pricier than 14% of homes nearby

Price per ft²$172
CheaperTypical $195Pricier

Pricier than 33% of homes nearby

Living area1,056 ft²
SmallerTypical 1,432 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.22 ac
SmallerTypical 0.62 acBigger

Bigger than 16% of homes nearby

How 322 W River St ranks against every home in each area.
MeasureThis homeOtsego 49078Allegan County
Estimated valuepricier than$181,16114% of homes9% of homes
Price per ft²pricier than$17233% of homes19% of homes
Living areabigger than1,056 ft²16% of homes15% of homes
Lot sizebigger than0.22 ac16% of homes14% of homes

About 322 W River St

How much is 322 W River St, Otsego, MI worth?

The TopHap Estimate for 322 W River St, Otsego, MI is $181,161 as of Sep 24, 2026. The likely range is $170,338 to $191,984. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 322 W River St, Otsego, MI last sell?

322 W River St, Otsego, MI last sold on Oct 23, 2018 for $125,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 322 W River St, Otsego, MI?

322 W River St, Otsego, MI has 3 bedrooms, 1 bathrooms, 1,056 square feet of living space and a 0.22-acre lot.

What schools serve 322 W River St, Otsego, MI?

322 W River St, Otsego, MI is assigned to Washington Street Elementary School (elementary), rated B+; Otsego High School (high), rated B; Otsego Middle School (middle), rated B. All sit in Otsego Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 322 W River St, Otsego, MI compare to other homes in Otsego 49078?

Among the 3,541 homes in Otsego 49078, it is worth more than 14% of them ($181,161 against a typical $273,759), its price per square foot is higher than 33% of them ($172 against a typical $195), it is bigger than 16% of them (1,056 ft² against a typical 1,432 ft²) and its lot is bigger than 16% of them (0.22 ac against a typical 0.62 ac). Measured against all of Allegan County, it is worth more than 9% 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 322 W River St, Otsego, MI?

The 2025 property tax bill for 322 W River St, Otsego, MI was $1,609. The county assessed it at $70,000.

More homes on W River St

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Assigned schools

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