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Single Family ResidenceResidential
$450,209
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 81How 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

5440 RIVER RD

PETOSKEY, MI 49770
0
Baths

Valuation

$450K
$364K low$536K 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.$450,209
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$360,167

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$196,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$196,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$392,200

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.39
68
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
41
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
61
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
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.37 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
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
Sheridan SchoolB+
Elementary · Grades KG–5 · 4.8 mi
M
Petoskey Middle SchoolA
Middle · Grades 6–8 · 4.8 mi
H
Petoskey High SchoolB+
High · Grades 9–12 · 5.0 mi

District: Petoskey Public Schools

Neighborhood · ZIP 49770These 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.98
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 100.11

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.17,536
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.$80,369
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$106,078
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.32 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.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

5440 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.

What homes are worth in Petoskey 49770

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

This home
$129K$2.5M

This home is worth more than 57% of homes in Petoskey 49770.

How it measures up in Petoskey 49770

The dot is this home. The mark in the middle is the typical home in Petoskey 49770.

Estimated value$450,209
CheaperTypical $401,192Pricier

Pricier than 57% of homes nearby

How 5440 River Rd ranks against every home in each area.
MeasureThis homePetoskey 49770Emmet County
Estimated valuepricier than$450,20957% of homes57% of homes

About 5440 River Rd

How much is 5440 River Rd, Petoskey, MI worth?

The TopHap Estimate for 5440 River Rd, Petoskey, MI is $450,209 as of Jul 14, 2026. The likely range is $364,426 to $535,992. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5440 River Rd, Petoskey, MI last sell?

5440 River Rd, Petoskey, MI last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 5440 River Rd, Petoskey, MI?

5440 River Rd, Petoskey, MI is assigned to Sheridan School (elementary), rated B+; Petoskey Middle School (middle), rated A; Petoskey High School (high), rated B+. All sit in Petoskey Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

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Assigned schools

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