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Single Family ResidenceResidential
$365,000$138 / 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 94How 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

4097 S RIVER RD

CHEBOYGAN, MI 49721
2.5
Baths
2,640 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.
15.67 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$365K
$344K low$386K 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.$165,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$132,000
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.$200,000
CITIZENS NATIONAL BANK · 6.48% · recorded Jul 8, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,673 (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.$169,700 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$157,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$339,400

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.37
62
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.27 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
CountyCHEBOYGAN
Lot (acres)The size of the land the home sits on, from county records.15.67
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(5)

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

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

4097 S 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.

  • Worth more than 83% of homes in Cheboygan 49721
  • Costs less per square foot than 68% of homes in Cheboygan County
  • Bigger than 93% of homes in Cheboygan 49721
  • Has a bigger lot than 93% 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
$23K$986K

This home is worth more than 83% 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$365,000
CheaperTypical $187,175Pricier

Pricier than 83% of homes nearby

Price per ft²$138
CheaperTypical $162Pricier

Pricier than 35% of homes nearby

Living area2,640 ft²
SmallerTypical 1,452 ft²Bigger

Bigger than 93% of homes nearby

Lot size15.67 ac
SmallerTypical 0.93 acBigger

Bigger than 93% of homes nearby

How 4097 S River Rd ranks against every home in each area.
MeasureThis homeCheboygan 49721Cheboygan County
Estimated valuepricier than$365,00083% of homes76% of homes
Price per ft²pricier than$13835% of homes32% of homes
Living areabigger than2,640 ft²93% of homes92% of homes
Lot sizebigger than15.67 ac93% of homes92% of homes

About 4097 S River Rd

How much is 4097 S River Rd, Cheboygan, MI worth?

The TopHap Estimate for 4097 S River Rd, Cheboygan, MI is $365,000 as of Jul 14, 2026. The likely range is $343,623 to $386,377. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4097 S River Rd, Cheboygan, MI last sell?

4097 S River Rd, Cheboygan, MI last sold on Jul 8, 2026, according to the county's recorded deed.

How big is 4097 S River Rd, Cheboygan, MI?

4097 S River Rd, Cheboygan, MI has 2.5 bathrooms, 2,640 square feet of living space and a 15.67-acre lot.

What schools serve 4097 S River Rd, Cheboygan, MI?

4097 S 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 4097 S River Rd, Cheboygan, MI compare to other homes in Cheboygan 49721?

Among the 9,041 homes in Cheboygan 49721, it is worth more than 83% of them ($365,000 against a typical $187,175), its price per square foot is higher than 35% of them ($138 against a typical $162), it is bigger than 93% of them (2,640 ft² against a typical 1,452 ft²) and its lot is bigger than 93% of them (15.67 ac against a typical 0.93 ac). Measured against all of Cheboygan County, it is worth more than 76% 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 4097 S River Rd, Cheboygan, MI?

The 2025 property tax bill for 4097 S River Rd, Cheboygan, MI was $2,673. The county assessed it at $169,700.

Closest homes

More homes in Cheboygan 49721

Assigned schools

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