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Single Family ResidenceResidential
$234,568$214 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $126,000 on May 4, 2001

640 DIVISION ST

CHARLEVOIX, MI 49720
3
Beds
1
Baths
1,094 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.
1.42 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$235K
$209K low$260K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$126,000 · May 4, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,000 (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.$164,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$199,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$328,800

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.31
32
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
44
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
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.7 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
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyCHARLEVOIX
Lot (acres)The size of the land the home sits on, from county records.1.42
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

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Charlevoix Elementary SchoolB-
Elementary · Grades PK–6 · 1.2 mi
M
Charlevoix Middle High SchoolA+
Middle · Grades 7–12 · 3.1 mi

District: Charlevoix Public Schools

Neighborhood · ZIP 49720These 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.102
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
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.70%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.9,096
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.72 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,308
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,174
Average tempThe average temperature here across a full year.45°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%

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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

640 Division 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.

  • Worth less than 92% of homes in Charlevoix 49720
  • Costs less per square foot than 79% of homes in Charlevoix 49720
  • Smaller than 81% of homes in Charlevoix 49720
  • Older than 86% of homes in Charlevoix County

What homes are worth in Charlevoix 49720

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

This home
$183K$959K

This home is worth more than 8% of homes in Charlevoix 49720.

How it measures up in Charlevoix 49720

The dot is this home. The mark in the middle is the typical home in Charlevoix 49720.

Estimated value$234,568
CheaperTypical $411,474Pricier

Pricier than 8% of homes nearby

Price per ft²$214
CheaperTypical $257Pricier

Pricier than 21% of homes nearby

Living area1,094 ft²
SmallerTypical 1,528 ft²Bigger

Bigger than 19% of homes nearby

Lot size1.42 ac
SmallerTypical 0.96 acBigger

Bigger than 58% of homes nearby

Year built1930
OlderTypical 1976Newer

Newer than 20% of homes nearby

How 640 Division St ranks against every home in each area.
MeasureThis homeCharlevoix 49720Charlevoix County
Estimated valuepricier than$234,5688% of homes18% of homes
Price per ft²pricier than$21421% of homes30% of homes
Living areabigger than1,094 ft²19% of homes23% of homes
Lot sizebigger than1.42 ac58% of homes57% of homes
Year builtnewer than193020% of homes14% of homes

About 640 Division St

How much is 640 Division St, Charlevoix, MI worth?

The TopHap Estimate for 640 Division St, Charlevoix, MI is $234,568 as of Aug 30, 2026. The likely range is $209,229 to $259,907. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Division St, Charlevoix, MI last sell?

640 Division St, Charlevoix, MI last sold on May 4, 2001 for $126,000, according to the county's recorded deed.

How big is 640 Division St, Charlevoix, MI?

640 Division St, Charlevoix, MI has 3 bedrooms, 1 bathrooms, 1,094 square feet of living space and a 1.42-acre lot.

When was 640 Division St, Charlevoix, MI built?

640 Division St, Charlevoix, MI was built in 1930, making it 96 years old. It is a cape cod home.

What schools serve 640 Division St, Charlevoix, MI?

640 Division St, Charlevoix, MI is assigned to Charlevoix Elementary School (elementary), rated B-; Charlevoix Middle High School (middle), rated A+. All sit in Charlevoix Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Division St, Charlevoix, MI compare to other homes in Charlevoix 49720?

Among the 6,255 homes in Charlevoix 49720, it is worth more than 8% of them ($234,568 against a typical $411,474), its price per square foot is higher than 21% of them ($214 against a typical $257), it is bigger than 19% of them (1,094 ft² against a typical 1,528 ft²), its lot is bigger than 58% of them (1.42 ac against a typical 0.96 ac) and it is newer than 20% of them (1930 against a typical 1976). Measured against all of Charlevoix County, it is worth more than 18% 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 640 Division St, Charlevoix, MI?

The 2025 property tax bill for 640 Division St, Charlevoix, MI was $3,000. The county assessed it at $164,400.

More homes on Division St

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