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Single Family ResidenceResidential
$332,553$272 / 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 89How 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 $67,500 on Sep 2, 1998

3705 RUGGED RD

HARBOR SPRINGS, MI 49740
1
Baths
1,221 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.
40 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$333K
$295K low$370K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$67,500 · Sep 2, 1998
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.$332,553
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$266,042

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,722 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$120,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$70,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$107,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$240,800

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.33
52
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
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.
58
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
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.15 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
CountyEMMET
Lot (acres)The size of the land the home sits on, from county records.40.00
HeatingThe type of heating system in the home.Space
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Pellston Middlehigh SchoolC
Middle · Grades 6–12 · 11.3 mi
E
Pellston Elementary SchoolA
Elementary · Grades PK–5 · 11.4 mi

District: Pellston Public Schools

Neighborhood · ZIP 49740These 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.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

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.58%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
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.7,662
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,280
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,653
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

3705 Rugged Rd 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 82% of homes in Harbor Springs 49740
  • Costs less per square foot than 80% of homes in Harbor Springs 49740
  • Smaller than 74% of homes in Harbor Springs 49740
  • Has a bigger lot than 98% of homes in Harbor Springs 49740

What homes are worth in Harbor Springs 49740

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

This home
$176K$2.6M

This home is worth more than 18% of homes in Harbor Springs 49740.

How it measures up in Harbor Springs 49740

The dot is this home. The mark in the middle is the typical home in Harbor Springs 49740.

Estimated value$332,553
CheaperTypical $549,324Pricier

Pricier than 18% of homes nearby

Price per ft²$272
CheaperTypical $430Pricier

Pricier than 20% of homes nearby

Living area1,221 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 26% of homes nearby

Lot size40 ac
SmallerTypical 1 acBigger

Bigger than 98% of homes nearby

Year built1940
OlderTypical 1940Newer

Newer than 51% of homes nearby

How 3705 Rugged Rd ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Estimated valuepricier than$332,55318% of homes40% of homes
Price per ft²pricier than$27220% of homes48% of homes
Living areabigger than1,221 ft²26% of homes30% of homes
Lot sizebigger than40 ac98% of homes98% of homes
Year builtnewer than194051% of homes46% of homes

About 3705 Rugged Rd

How much is 3705 Rugged Rd, Harbor Springs, MI worth?

The TopHap Estimate for 3705 Rugged Rd, Harbor Springs, MI is $332,553 as of Jul 14, 2026. The likely range is $294,722 to $370,384. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3705 Rugged Rd, Harbor Springs, MI last sell?

3705 Rugged Rd, Harbor Springs, MI last sold on Sep 2, 1998 for $67,500, according to the county's recorded deed.

How big is 3705 Rugged Rd, Harbor Springs, MI?

3705 Rugged Rd, Harbor Springs, MI has 1 bathrooms, 1,221 square feet of living space and a 40.00-acre lot.

When was 3705 Rugged Rd, Harbor Springs, MI built?

3705 Rugged Rd, Harbor Springs, MI was built in 1940, making it 86 years old. The building has 3 stories.

What schools serve 3705 Rugged Rd, Harbor Springs, MI?

3705 Rugged Rd, Harbor Springs, MI is assigned to Pellston Middlehigh School (middle), rated C; Pellston Elementary School (elementary), rated A. All sit in Pellston Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3705 Rugged Rd, Harbor Springs, MI compare to other homes in Harbor Springs 49740?

Among the 6,851 homes in Harbor Springs 49740, it is worth more than 18% of them ($332,553 against a typical $549,324), its price per square foot is higher than 20% of them ($272 against a typical $430), it is bigger than 26% of them (1,221 ft² against a typical 1,568 ft²), its lot is bigger than 98% of them (40 ac against a typical 1 ac) and it is newer than 51% of them (1940 against a typical 1940). Measured against all of Emmet County, it is worth more than 40% 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 3705 Rugged Rd, Harbor Springs, MI?

The 2024 property tax bill for 3705 Rugged Rd, Harbor Springs, MI was $2,722. The county assessed it at $120,400.

Closest homes

More homes in Harbor Springs 49740

Assigned schools

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