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Single Family ResidenceResidential
$287,518$129 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

538 N BLACK RIVER RD

ONAWAY, MI 49765
0
Baths
2,232 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.
2.71 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$288K
$267K low$308K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,033 (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.$217,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$207,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$435,800

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.33
47
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
45
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
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.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

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.2.71
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.

E
East Elementary School
Elementary · Grades KG–2 · 14.7 mi
M
Cheboygan Middle SchoolB
Middle · Grades 6–7 · 15.1 mi
H
Cheboygan High SchoolB+
High · Grades 8–12 · 15.1 mi

District: Cheboygan Area Schools

Neighborhood · ZIP 49765These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.6%
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.2.1%
PopulationHow many people live in this area.4,274
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.17 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,557
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,233
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%

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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

538 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.

  • Worth more than 81% of homes in Onaway 49765
  • Costs less per square foot than 86% of homes in Onaway 49765
  • Bigger than 87% of homes in Onaway 49765
  • Has a bigger lot than 72% of homes in Cheboygan County

What homes are worth in Onaway 49765

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

This home
$28K$633K

This home is worth more than 81% of homes in Onaway 49765.

How it measures up in Onaway 49765

The dot is this home. The mark in the middle is the typical home in Onaway 49765.

Estimated value$287,518
CheaperTypical $153,266Pricier

Pricier than 81% of homes nearby

Price per ft²$129
CheaperTypical $196Pricier

Pricier than 14% of homes nearby

Living area2,232 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 87% of homes nearby

Lot size2.71 ac
SmallerTypical 1.88 acBigger

Bigger than 56% of homes nearby

How 538 N Black River Rd ranks against every home in each area.
MeasureThis homeOnaway 49765Cheboygan County
Estimated valuepricier than$287,51881% of homes63% of homes
Price per ft²pricier than$12914% of homes21% of homes
Living areabigger than2,232 ft²87% of homes86% of homes
Lot sizebigger than2.71 ac56% of homes72% of homes

About 538 N Black River Rd

How much is 538 N Black River Rd, Onaway, MI worth?

The TopHap Estimate for 538 N Black River Rd, Onaway, MI is $287,518 as of Sep 24, 2026. The likely range is $267,459 to $307,577. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 538 N Black River Rd, Onaway, MI last sell?

538 N Black River Rd, Onaway, MI last sold on Aug 7, 2024, according to the county's recorded deed.

How big is 538 N Black River Rd, Onaway, MI?

538 N Black River Rd, Onaway, MI has 2,232 square feet of living space and a 2.71-acre lot.

What schools serve 538 N Black River Rd, Onaway, MI?

538 N Black River Rd, Onaway, MI is assigned to East Elementary School (elementary); Cheboygan Middle School (middle), rated B; 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 538 N Black River Rd, Onaway, MI compare to other homes in Onaway 49765?

Among the 2,911 homes in Onaway 49765, it is worth more than 81% of them ($287,518 against a typical $153,266), its price per square foot is higher than 14% of them ($129 against a typical $196), it is bigger than 87% of them (2,232 ft² against a typical 1,344 ft²) and its lot is bigger than 56% of them (2.71 ac against a typical 1.88 ac). Measured against all of Cheboygan County, it is worth more than 63% 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 538 N Black River Rd, Onaway, MI?

The 2025 property tax bill for 538 N Black River Rd, Onaway, MI was $3,033. The county assessed it at $217,900.

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