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Single Family ResidenceResidential
$285,249$188 / 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 83How 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

3950 JOY LN

PETOSKEY, MI 49770
2
Baths
1,518 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.
1.91 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.

Valuation

$285K
$237K low$333K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,312 (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.$158,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$158,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,200

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.19
77
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. 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.60 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
CountyEMMET
Lot (acres)The size of the land the home sits on, from county records.1.91
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

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

M
Petoskey Middle SchoolA+
Middle · Grades 6–8 · 6.6 mi
H
Petoskey High SchoolA-
High · Grades 9–12 · 6.9 mi
E
Ottawa Elementary SchoolB+
Elementary · Grades KG–5 · 7.1 mi

District: Petoskey Public Schools

Neighborhood · ZIP 49770These 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.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.17,536
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.$80,369
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$106,078
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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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

3950 Joy Ln 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 75% of homes in Petoskey 49770
  • Costs less per square foot than 77% of homes in Petoskey 49770
  • Has a bigger lot than 77% of homes in Petoskey 49770
  • Older than 65% of homes in Petoskey 49770

What homes are worth in Petoskey 49770

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

This home
$136K$3M

This home is worth more than 25% of homes in Petoskey 49770.

How it measures up in Petoskey 49770

The dot is this home. The mark in the middle is the typical home in Petoskey 49770.

Estimated value$285,249
CheaperTypical $391,336Pricier

Pricier than 25% of homes nearby

Price per ft²$188
CheaperTypical $252Pricier

Pricier than 23% of homes nearby

Living area1,518 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 48% of homes nearby

Lot size1.91 ac
SmallerTypical 0.52 acBigger

Bigger than 77% of homes nearby

Year built1985
OlderTypical 1997Newer

Newer than 35% of homes nearby

How 3950 Joy Ln ranks against every home in each area.
MeasureThis homePetoskey 49770Emmet County
Estimated valuepricier than$285,24925% of homes32% of homes
Price per ft²pricier than$18823% of homes23% of homes
Living areabigger than1,518 ft²48% of homes46% of homes
Lot sizebigger than1.91 ac77% of homes71% of homes
Year builtnewer than198535% of homes44% of homes

About 3950 Joy Ln

How much is 3950 Joy Ln, Petoskey, MI worth?

The TopHap Estimate for 3950 Joy Ln, Petoskey, MI is $285,249 as of Jul 14, 2026. The likely range is $237,139 to $333,359. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3950 Joy Ln, Petoskey, MI last sell?

3950 Joy Ln, Petoskey, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3950 Joy Ln, Petoskey, MI?

3950 Joy Ln, Petoskey, MI has 2 bathrooms, 1,518 square feet of living space and a 1.91-acre lot.

When was 3950 Joy Ln, Petoskey, MI built?

3950 Joy Ln, Petoskey, MI was built in 1985, making it 41 years old.

What schools serve 3950 Joy Ln, Petoskey, MI?

3950 Joy Ln, Petoskey, MI is assigned to Petoskey Middle School (middle), rated A+; Petoskey High School (high), rated A-; Ottawa Elementary School (elementary), rated B+. All sit in Petoskey Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3950 Joy Ln, Petoskey, MI compare to other homes in Petoskey 49770?

Among the 8,536 homes in Petoskey 49770, it is worth more than 25% of them ($285,249 against a typical $391,336), its price per square foot is higher than 23% of them ($188 against a typical $252), it is bigger than 48% of them (1,518 ft² against a typical 1,560 ft²), its lot is bigger than 77% of them (1.91 ac against a typical 0.52 ac) and it is newer than 35% of them (1985 against a typical 1997). Measured against all of Emmet County, it is worth more than 32% 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 3950 Joy Ln, Petoskey, MI?

The 2024 property tax bill for 3950 Joy Ln, Petoskey, MI was $2,312. The county assessed it at $158,100.

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