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Single Family ResidenceResidential
$288,638$137 / 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 85How 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 $107,487 on Dec 10, 2019

403 WATER ST

BELDING, MI 48809
3
Beds
2
Baths
2,112 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$289K
$245K low$332K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$107,487 · Dec 10, 2019
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.$208,536
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$166,829
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.27%
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.$80,102
VAN DYK MORTGAGE CORP · recorded Feb 6, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,390 (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.$143,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$128,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$129,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$287,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.42 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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyIONIA
Lot (acres)The size of the land the home sits on, from county records.0.20
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(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

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

M
Belding Middle SchoolC
Middle · Grades 6–8 · 0.6 mi
E
Ellis Elementary School
Elementary · Grades PK–2 · 0.8 mi
H
Belding High SchoolD+
High · Grades 9–12 · 0.9 mi

District: Belding Area School District

Neighborhood · ZIP 48809These 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.127
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 100.17

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.11,765
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.$66,613
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,863
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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

403 Water St 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 67% of homes in Ionia County
  • Costs less per square foot than 86% of homes in Belding 48809
  • Bigger than 89% of homes in Belding 48809
  • Has a smaller lot than 85% of homes in Ionia County
  • Newer than 80% of homes in Belding 48809

What homes are worth in Belding 48809

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

This home
$125K$624K

This home is worth more than 64% of homes in Belding 48809.

How it measures up in Belding 48809

The dot is this home. The mark in the middle is the typical home in Belding 48809.

Estimated value$288,638
CheaperTypical $248,900Pricier

Pricier than 64% of homes nearby

Price per ft²$137
CheaperTypical $185Pricier

Pricier than 14% of homes nearby

Living area2,112 ft²
SmallerTypical 1,384 ft²Bigger

Bigger than 89% of homes nearby

Lot size0.2 ac
SmallerTypical 0.71 acBigger

Bigger than 23% of homes nearby

Year built1995
OlderTypical 1964Newer

Newer than 80% of homes nearby

How 403 Water St ranks against every home in each area.
MeasureThis homeBelding 48809Ionia County
Estimated valuepricier than$288,63864% of homes67% of homes
Price per ft²pricier than$13714% of homes23% of homes
Living areabigger than2,112 ft²89% of homes87% of homes
Lot sizebigger than0.2 ac23% of homes15% of homes
Year builtnewer than199580% of homes73% of homes

About 403 Water St

How much is 403 Water St, Belding, MI worth?

The TopHap Estimate for 403 Water St, Belding, MI is $288,638 as of Jul 14, 2026. The likely range is $245,275 to $332,001. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 403 Water St, Belding, MI last sell?

403 Water St, Belding, MI last sold on Dec 10, 2019 for $107,487, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 403 Water St, Belding, MI?

403 Water St, Belding, MI has 3 bedrooms, 2 bathrooms, 2,112 square feet of living space and a 0.20-acre lot.

When was 403 Water St, Belding, MI built?

403 Water St, Belding, MI was built in 1995, making it 31 years old. It is a ranch home.

What schools serve 403 Water St, Belding, MI?

403 Water St, Belding, MI is assigned to Belding Middle School (middle), rated C; Ellis Elementary School (elementary); Belding High School (high), rated D+. All sit in Belding Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 403 Water St, Belding, MI compare to other homes in Belding 48809?

Among the 3,918 homes in Belding 48809, it is worth more than 64% of them ($288,638 against a typical $248,900), its price per square foot is higher than 14% of them ($137 against a typical $185), it is bigger than 89% of them (2,112 ft² against a typical 1,384 ft²), its lot is bigger than 23% of them (0.2 ac against a typical 0.71 ac) and it is newer than 80% of them (1995 against a typical 1964). Measured against all of Ionia 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 403 Water St, Belding, MI?

The 2025 property tax bill for 403 Water St, Belding, MI was $4,390. The county assessed it at $143,700.

Closest homes

More homes in Belding 48809

Assigned schools

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