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Single Family ResidenceResidential
$199,227
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 51How 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

3964 STEWART RD

OMER, MI 48749
0
Baths
3 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$199K
$102K low$296K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,912 (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.$124,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$120,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$248,800

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.39
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
50
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
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.9 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
CountyARENAC
Lot (acres)The size of the land the home sits on, from county records.3.00
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
Standish-Sterling Central Junior/Senior High SchoolB+
Middle · Grades 7–12 · 3.0 mi
E
Standish-Sterling Central Elementary SchoolB+
Elementary · Grades 1–6 · 3.2 mi

District: Standish-Sterling Community School District

Neighborhood · ZIP 48749These 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.72
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.79%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.5%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.0%
PopulationHow many people live in this area.1,254
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,436
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,865
Average tempThe average temperature here across a full year.45°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.50%

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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

3964 Stewart 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 more than 78% of homes in Omer 48749
  • Has a bigger lot than 70% of homes in Arenac County

What homes are worth in Omer 48749

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

This home
$51K$379K

This home is worth more than 78% of homes in Omer 48749.

How it measures up in Omer 48749

The dot is this home. The mark in the middle is the typical home in Omer 48749.

Estimated value$199,227
CheaperTypical $149,747Pricier

Pricier than 78% of homes nearby

Lot size3 ac
SmallerTypical 3.77 acBigger

Bigger than 48% of homes nearby

How 3964 Stewart Rd ranks against every home in each area.
MeasureThis homeOmer 48749Arenac County
Estimated valuepricier than$199,22778% of homes67% of homes
Lot sizebigger than3 ac48% of homes70% of homes

About 3964 Stewart Rd

How much is 3964 Stewart Rd, Omer, MI worth?

The TopHap Estimate for 3964 Stewart Rd, Omer, MI is $199,227 as of Sep 24, 2026. The likely range is $102,384 to $296,070. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3964 Stewart Rd, Omer, MI last sell?

3964 Stewart Rd, Omer, MI last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 3964 Stewart Rd, Omer, MI?

3964 Stewart Rd, Omer, MI is assigned to Standish-Sterling Central Junior/Senior High School (middle), rated B+; Standish-Sterling Central Elementary School (elementary), rated B+. All sit in Standish-Sterling Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3964 Stewart Rd, Omer, MI compare to other homes in Omer 48749?

Among the 647 homes in Omer 48749, it is worth more than 78% of them ($199,227 against a typical $149,747) and its lot is bigger than 48% of them (3 ac against a typical 3.77 ac). Measured against all of Arenac County, it is worth more than 67% 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 3964 Stewart Rd, Omer, MI?

The 2025 property tax bill for 3964 Stewart Rd, Omer, MI was $2,912. The county assessed it at $124,400.

More homes on Stewart Rd

Closest homes

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Assigned schools

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