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Single Family ResidenceResidential
$293,230
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 67How 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

4109 RUGGED RD

HARBOR SPRINGS, MI 49740
0
Baths
3.48 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$293K
$197K low$390K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,981 (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.$158,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$144,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$145,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,400

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.23
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
58
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
CountyEMMET
Lot (acres)The size of the land the home sits on, from county records.3.48
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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.

M
Pellston Middlehigh SchoolC
Middle · Grades 6–12 · 11.7 mi
E
Pellston Elementary SchoolA
Elementary · Grades PK–5 · 11.8 mi

District: Pellston Public Schools

Neighborhood · ZIP 49740These 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.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

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.58%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.7,662
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,280
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,653
Average tempThe average temperature here across a full year.44°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.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

4109 Rugged 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 less than 87% of homes in Harbor Springs 49740
  • Has a bigger lot than 74% of homes in Emmet County

What homes are worth in Harbor Springs 49740

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

This home
$180K$2.5M

This home is worth more than 13% of homes in Harbor Springs 49740.

How it measures up in Harbor Springs 49740

The dot is this home. The mark in the middle is the typical home in Harbor Springs 49740.

Estimated value$293,230
CheaperTypical $549,047Pricier

Pricier than 13% of homes nearby

Lot size3.48 ac
SmallerTypical 1 acBigger

Bigger than 73% of homes nearby

How 4109 Rugged Rd ranks against every home in each area.
MeasureThis homeHarbor Springs 49740Emmet County
Estimated valuepricier than$293,23013% of homes33% of homes
Lot sizebigger than3.48 ac73% of homes74% of homes

About 4109 Rugged Rd

How much is 4109 Rugged Rd, Harbor Springs, MI worth?

The TopHap Estimate for 4109 Rugged Rd, Harbor Springs, MI is $293,230 as of Jul 14, 2026. The likely range is $196,783 to $389,677. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4109 Rugged Rd, Harbor Springs, MI last sell?

4109 Rugged Rd, Harbor Springs, MI last sold on Feb 22, 2002, according to the county's recorded deed.

What schools serve 4109 Rugged Rd, Harbor Springs, MI?

4109 Rugged Rd, Harbor Springs, MI is assigned to Pellston Middlehigh School (middle), rated C; Pellston Elementary School (elementary), rated A. All sit in Pellston Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4109 Rugged Rd, Harbor Springs, MI compare to other homes in Harbor Springs 49740?

Among the 6,839 homes in Harbor Springs 49740, it is worth more than 13% of them ($293,230 against a typical $549,047) and its lot is bigger than 73% of them (3.48 ac against a typical 1 ac). Measured against all of Emmet County, it is worth more than 33% 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 4109 Rugged Rd, Harbor Springs, MI?

The 2024 property tax bill for 4109 Rugged Rd, Harbor Springs, MI was $1,981. The county assessed it at $158,200.

More homes on Rugged Rd

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More homes in Harbor Springs 49740

Assigned schools

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