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Single Family ResidenceResidential
$234,837$207 / 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 86How 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

3984 N BLACK RIVER RD

CHEBOYGAN, MI 49721
1.5
Baths
1,136 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 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$235K
$202K low$267K high
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.$184,837
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$147,870
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.21%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000
MBANK · recorded Oct 22, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$648 (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.$88,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$83,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$176,800

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.25
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
43
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
65
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.

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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyCHEBOYGAN
Lot (acres)The size of the land the home sits on, from county records.1.00
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.

E
East Elementary School
Elementary · Grades KG–2 · 10.4 mi
M
Cheboygan Middle School
Middle · Grades 6–7 · 10.8 mi
H
Cheboygan High SchoolB-
High · Grades 8–12 · 10.8 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%

Ownership

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

3984 N Black River 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.

  • Costs more per square foot than 68% of homes in Cheboygan 49721
  • Smaller than 74% 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
$24K$1M

This home is worth more than 63% 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$234,837
CheaperTypical $187,601Pricier

Pricier than 63% of homes nearby

Price per ft²$207
CheaperTypical $161Pricier

Pricier than 68% of homes nearby

Living area1,136 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 26% of homes nearby

Lot size1 ac
SmallerTypical 0.93 acBigger

Bigger than 54% of homes nearby

How 3984 N Black River Rd ranks against every home in each area.
MeasureThis homeCheboygan 49721Cheboygan County
Estimated valuepricier than$234,83763% of homes55% of homes
Price per ft²pricier than$20768% of homes63% of homes
Living areabigger than1,136 ft²26% of homes28% of homes
Lot sizebigger than1 ac54% of homes52% of homes

About 3984 N Black River Rd

How much is 3984 N Black River Rd, Cheboygan, MI worth?

The TopHap Estimate for 3984 N Black River Rd, Cheboygan, MI is $234,837 as of Jul 14, 2026. The likely range is $202,478 to $267,196. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3984 N Black River Rd, Cheboygan, MI last sell?

3984 N Black River Rd, Cheboygan, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3984 N Black River Rd, Cheboygan, MI?

3984 N Black River Rd, Cheboygan, MI has 1.5 bathrooms, 1,136 square feet of living space and a 1.00-acre lot.

What schools serve 3984 N Black River Rd, Cheboygan, MI?

3984 N Black River Rd, Cheboygan, MI is assigned to East Elementary School (elementary); Cheboygan Middle School (middle); Cheboygan High School (high), rated B-. All sit in Cheboygan Area Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3984 N Black River Rd, Cheboygan, MI compare to other homes in Cheboygan 49721?

Among the 9,041 homes in Cheboygan 49721, it is worth more than 63% of them ($234,837 against a typical $187,601), its price per square foot is higher than 68% of them ($207 against a typical $161), it is bigger than 26% of them (1,136 ft² against a typical 1,456 ft²) and its lot is bigger than 54% of them (1 ac against a typical 0.93 ac). Measured against all of Cheboygan County, it is worth more than 55% 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 3984 N Black River Rd, Cheboygan, MI?

The 2025 property tax bill for 3984 N Black River Rd, Cheboygan, MI was $648. The county assessed it at $88,400.

Closest homes

More homes in Cheboygan 49721

Assigned schools

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