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Single Family ResidenceResidential
$240,934$123 / 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 Jul 14, 2026
Last sold for $86,500 on Nov 21, 2008

540 HOWARD ST

BELDING, MI 48809
4
Beds
1.5
Baths
1,956 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$241K
$225K low$257K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$86,500 · Nov 21, 2008
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.$171,734
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$137,387
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.26%
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.$69,200
TREADSTONE LLC · recorded Nov 21, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,768 (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.$110,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$95,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$101,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$221,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyIONIA
Lot (acres)The size of the land the home sits on, from county records.0.20
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Ellis Elementary School
Elementary · Grades PK–2 · 0.4 mi
M
Belding Middle SchoolC
Middle · Grades 6–8 · 0.5 mi
H
Belding High SchoolD+
High · Grades 9–12 · 0.7 mi

District: Belding Area School District

Neighborhood · ZIP 48809These 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.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
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.1.5%
PopulationHow many people live in this area.11,765
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,613
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,863
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 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.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

540 Howard St 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.

  • Costs less per square foot than 93% of homes in Belding 48809
  • Bigger than 85% of homes in Belding 48809
  • Has a smaller lot than 85% of homes in Ionia County
  • Older than 86% of homes in Ionia County

What homes are worth in Belding 48809

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

This home
$128K$640K

This home is worth more than 46% of homes in Belding 48809.

How it measures up in Belding 48809

The dot is this home. The mark in the middle is the typical home in Belding 48809.

Estimated value$240,934
CheaperTypical $250,000Pricier

Pricier than 46% of homes nearby

Price per ft²$123
CheaperTypical $185Pricier

Pricier than 7% of homes nearby

Living area1,956 ft²
SmallerTypical 1,385 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.2 ac
SmallerTypical 0.69 acBigger

Bigger than 24% of homes nearby

Year built1900
OlderTypical 1963Newer

Newer than 27% of homes nearby

How 540 Howard St ranks against every home in each area.
MeasureThis homeBelding 48809Ionia County
Estimated valuepricier than$240,93446% of homes50% of homes
Price per ft²pricier than$1237% of homes15% of homes
Living areabigger than1,956 ft²85% of homes82% of homes
Lot sizebigger than0.2 ac24% of homes15% of homes
Year builtnewer than190027% of homes14% of homes

About 540 Howard St

How much is 540 Howard St, Belding, MI worth?

The TopHap Estimate for 540 Howard St, Belding, MI is $240,934 as of Jul 14, 2026. The likely range is $225,015 to $256,853. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Howard St, Belding, MI last sell?

540 Howard St, Belding, MI last sold on Nov 21, 2008 for $86,500, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 540 Howard St, Belding, MI?

540 Howard St, Belding, MI has 4 bedrooms, 1.5 bathrooms, 1,956 square feet of living space and a 0.20-acre lot.

When was 540 Howard St, Belding, MI built?

540 Howard St, Belding, MI was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 540 Howard St, Belding, MI?

540 Howard St, Belding, MI is assigned to Ellis Elementary School (elementary); Belding Middle School (middle), rated C; Belding High School (high), rated D+. All sit in Belding Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Howard St, Belding, MI compare to other homes in Belding 48809?

Among the 3,918 homes in Belding 48809, it is worth more than 46% of them ($240,934 against a typical $250,000), its price per square foot is higher than 7% of them ($123 against a typical $185), it is bigger than 85% of them (1,956 ft² against a typical 1,385 ft²), its lot is bigger than 24% of them (0.2 ac against a typical 0.69 ac) and it is newer than 27% of them (1900 against a typical 1963). Measured against all of Ionia County, it is worth more than 50% 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 540 Howard St, Belding, MI?

The 2025 property tax bill for 540 Howard St, Belding, MI was $1,768. The county assessed it at $110,600.

Closest homes

More homes in Belding 48809

Assigned schools

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