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Single Family ResidenceResidential
$410,421$371 / 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 84How 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

3475 DUNCAN BAY DR

CHEBOYGAN, MI 49721
3
Beds
2
Baths
1,105 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.

Valuation

$410K
$345K low$476K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,129 (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.$148,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$155,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$297,800

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.30
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
61
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
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.30%

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
CountyCHEBOYGAN
Lot (acres)The size of the land the home sits on, from county records.0.40
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.

E
East Elementary School
Elementary · Grades KG–2 · 2.3 mi
H
Cheboygan High SchoolB+
High · Grades 8–12 · 3.6 mi
M
Cheboygan Middle SchoolB
Middle · Grades 6–7 · 3.7 mi

District: Cheboygan Area Schools

Neighborhood · ZIP 49721These 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.113
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 100.9

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.67%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.14,470
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.47 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,395
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,336
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Owner Tools

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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

3475 Duncan Bay Dr 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 84% of homes in Cheboygan 49721
  • Costs more per square foot than 90% of homes in Cheboygan 49721
  • Smaller than 76% of homes in Cheboygan 49721
  • Has a smaller lot than 73% of homes in Cheboygan County
  • Older than 66% of homes in Cheboygan 49721

What homes are worth in Cheboygan 49721

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

This home
$17K$1.1M

This home is worth more than 84% of homes in Cheboygan 49721.

How it measures up in Cheboygan 49721

The dot is this home. The mark in the middle is the typical home in Cheboygan 49721.

Estimated value$410,421
CheaperTypical $199,874Pricier

Pricier than 84% of homes nearby

Price per ft²$371
CheaperTypical $179Pricier

Pricier than 90% of homes nearby

Living area1,105 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.4 ac
SmallerTypical 0.92 acBigger

Bigger than 29% of homes nearby

Year built1972
OlderTypical 1986Newer

Newer than 34% of homes nearby

How 3475 Duncan Bay Dr ranks against every home in each area.
MeasureThis homeCheboygan 49721Cheboygan County
Estimated valuepricier than$410,42184% of homes78% of homes
Price per ft²pricier than$37190% of homes87% of homes
Living areabigger than1,105 ft²24% of homes26% of homes
Lot sizebigger than0.4 ac29% of homes27% of homes
Year builtnewer than197234% of homes37% of homes

About 3475 Duncan Bay Dr

How much is 3475 Duncan Bay Dr, Cheboygan, MI worth?

The TopHap Estimate for 3475 Duncan Bay Dr, Cheboygan, MI is $410,421 as of Sep 24, 2026. The likely range is $344,651 to $476,191. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3475 Duncan Bay Dr, Cheboygan, MI last sell?

3475 Duncan Bay Dr, Cheboygan, MI last sold on Aug 16, 2010, according to the county's recorded deed.

How big is 3475 Duncan Bay Dr, Cheboygan, MI?

3475 Duncan Bay Dr, Cheboygan, MI has 3 bedrooms, 2 bathrooms, 1,105 square feet of living space and a 0.40-acre lot.

When was 3475 Duncan Bay Dr, Cheboygan, MI built?

3475 Duncan Bay Dr, Cheboygan, MI was built in 1972, making it 54 years old.

What schools serve 3475 Duncan Bay Dr, Cheboygan, MI?

3475 Duncan Bay Dr, Cheboygan, MI is assigned to East Elementary School (elementary); Cheboygan High School (high), rated B+; Cheboygan Middle School (middle), rated B. All sit in Cheboygan Area Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3475 Duncan Bay Dr, Cheboygan, MI compare to other homes in Cheboygan 49721?

Among the 9,042 homes in Cheboygan 49721, it is worth more than 84% of them ($410,421 against a typical $199,874), its price per square foot is higher than 90% of them ($371 against a typical $179), it is bigger than 24% of them (1,105 ft² against a typical 1,456 ft²), its lot is bigger than 29% of them (0.4 ac against a typical 0.92 ac) and it is newer than 34% of them (1972 against a typical 1986). Measured against all of Cheboygan 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 3475 Duncan Bay Dr, Cheboygan, MI?

The 2025 property tax bill for 3475 Duncan Bay Dr, Cheboygan, MI was $4,129. The county assessed it at $148,900.

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