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Single Family ResidenceResidential
$310,203
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

4646 ONAWAY RD

INDIAN RIVER, MI 49749
0
Baths
1.35 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$310K
$268K low$352K 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.$79,828
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$63,862
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.76%
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.$230,375
CITIZENS NATIONAL BANK OF CHEBOYGAN · recorded Mar 11, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,293 (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.$115,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$104,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$231,800

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
42
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
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
CountyCHEBOYGAN
Lot (acres)The size of the land the home sits on, from county records.1.35
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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
Inland Lakes Elementary SchoolD
Elementary · Grades KG–5 · 2.3 mi
M
Inland Lakes Secondary SchoolB
Middle · Grades 6–12 · 2.3 mi

District: Inland Lakes Schools

Neighborhood · ZIP 49749These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
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.55%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.4,110
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.46 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,500
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,470
Average tempThe average temperature here across a full year.43°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%

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

4646 Onaway 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 68% of homes in Cheboygan County
  • Has a bigger lot than 68% of homes in Indian River 49749

What homes are worth in Indian River 49749

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

This home
$45K$1.5M

This home is worth more than 52% of homes in Indian River 49749.

How it measures up in Indian River 49749

The dot is this home. The mark in the middle is the typical home in Indian River 49749.

Estimated value$310,203
CheaperTypical $299,997Pricier

Pricier than 52% of homes nearby

Lot size1.35 ac
SmallerTypical 0.72 acBigger

Bigger than 68% of homes nearby

How 4646 Onaway Rd ranks against every home in each area.
MeasureThis homeIndian River 49749Cheboygan County
Estimated valuepricier than$310,20352% of homes68% of homes
Lot sizebigger than1.35 ac68% of homes60% of homes

About 4646 Onaway Rd

How much is 4646 Onaway Rd, Indian River, MI worth?

The TopHap Estimate for 4646 Onaway Rd, Indian River, MI is $310,203 as of Jul 14, 2026. The likely range is $267,909 to $352,497. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4646 Onaway Rd, Indian River, MI last sell?

4646 Onaway Rd, Indian River, MI last sold on Mar 11, 2024, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

What schools serve 4646 Onaway Rd, Indian River, MI?

4646 Onaway Rd, Indian River, MI is assigned to Inland Lakes Elementary School (elementary), rated D; Inland Lakes Secondary School (middle), rated B. All sit in Inland Lakes Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4646 Onaway Rd, Indian River, MI compare to other homes in Indian River 49749?

Among the 3,899 homes in Indian River 49749, it is worth more than 52% of them ($310,203 against a typical $299,997) and its lot is bigger than 68% of them (1.35 ac against a typical 0.72 ac). Measured against all of Cheboygan County, it is worth more than 68% 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 4646 Onaway Rd, Indian River, MI?

The 2025 property tax bill for 4646 Onaway Rd, Indian River, MI was $2,293. The county assessed it at $115,900.

Closest homes

More homes in Indian River 49749

Assigned schools

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See this home in context

Open 4646 Onaway Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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