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Single Family ResidenceResidential
$325,220$187 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $245,000 on Jun 4, 2026

538 SPENCER ST NE

GRAND RAPIDS, MI 49505
4
Beds
2
Baths
1,740 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1898
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$325K
$299K low$351K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$245,000 · Jun 4, 2026
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.$129,220
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$103,376
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.60%
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.$196,000
OCMBC INC · 6.23% 2 · recorded Jun 4, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,235 (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.$115,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$99,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$230,000

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.38
26
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
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.4 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
CountyKENT
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2011
Lot (acres)The size of the land the home sits on, from county records.0.10
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 48 ft²Porch · 120 ft²

Transaction History(8)

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
Kent Hills Elementary SchoolD
Elementary · Grades PK–5 · 0.4 mi
M
City High Middle SchoolA
Middle · Grades 7–12 · 0.4 mi

District: Grand Rapids Public Schools

Neighborhood · ZIP 49505These 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.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.32,605
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,625 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,110
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,949
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.37 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.Absentee owner
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

538 Spencer St Ne 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 75% of homes in Creston
  • Costs less per square foot than 83% of homes in Grand Rapids 49505
  • Bigger than 85% of homes in Grand Rapids 49505
  • Has a smaller lot than 91% of homes in Grand Rapids 49505
  • Older than 96% of homes in Kent County

What homes are worth in Grand Rapids 49505

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

This home
$171K$556K

This home is worth more than 64% of homes in Grand Rapids 49505.

How it measures up in Grand Rapids 49505

The dot is this home. The mark in the middle is the typical home in Grand Rapids 49505.

Estimated value$325,220
CheaperTypical $299,900Pricier

Pricier than 64% of homes nearby

Price per ft²$187
CheaperTypical $243Pricier

Pricier than 17% of homes nearby

Living area1,740 ft²
SmallerTypical 1,254 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.11 ac
SmallerTypical 0.17 acBigger

Bigger than 9% of homes nearby

Year built1898
OlderTypical 1951Newer

Newer than 5% of homes nearby

How 538 Spencer St Ne ranks against every home in each area.
MeasureThis homeCrestonGrand Rapids 49505Kent County
Estimated valuepricier than$325,22075% of homes64% of homes44% of homes
Price per ft²pricier than$18731% of homes17% of homes19% of homes
Living areabigger than1,740 ft²83% of homes85% of homes69% of homes
Lot sizebigger than0.11 ac17% of homes9% of homes12% of homes
Year builtnewer than189811% of homes5% of homes4% of homes

About 538 Spencer St Ne

How much is 538 Spencer St Ne, Grand Rapids, MI worth?

The TopHap Estimate for 538 Spencer St Ne, Grand Rapids, MI is $325,220 as of Jun 23, 2026. The likely range is $299,202 to $351,237. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 538 Spencer St Ne, Grand Rapids, MI last sell?

538 Spencer St Ne, Grand Rapids, MI last sold on Jun 4, 2026 for $245,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 538 Spencer St Ne, Grand Rapids, MI?

538 Spencer St Ne, Grand Rapids, MI has 4 bedrooms, 2 bathrooms, 1,740 square feet of living space and a 0.10-acre lot.

When was 538 Spencer St Ne, Grand Rapids, MI built?

538 Spencer St Ne, Grand Rapids, MI was built in 1898, making it 128 years old. The building has 2 stories.

What schools serve 538 Spencer St Ne, Grand Rapids, MI?

538 Spencer St Ne, Grand Rapids, MI is assigned to Kent Hills Elementary School (elementary), rated D; City High Middle School (middle), rated A. All sit in Grand Rapids Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 538 Spencer St Ne, Grand Rapids, MI compare to other homes in Grand Rapids 49505?

Among the 10,611 homes in Grand Rapids 49505, it is worth more than 64% of them ($325,220 against a typical $299,900), its price per square foot is higher than 17% of them ($187 against a typical $243), it is bigger than 85% of them (1,740 ft² against a typical 1,254 ft²), its lot is bigger than 9% of them (0.11 ac against a typical 0.17 ac) and it is newer than 5% of them (1898 against a typical 1951). Measured against all of Kent County, it is worth more than 44% 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 Spencer St Ne, Grand Rapids, MI?

The 2025 property tax bill for 538 Spencer St Ne, Grand Rapids, MI was $4,235. The county assessed it at $115,000.

Closest homes

More homes in Grand Rapids 49505

Assigned schools

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