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Single Family ResidenceResidential
$430,000
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 84How 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

640 S OAK AVE

WHITE CLOUD, MI 49349
0
Baths
9 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$430K
$361K low$499K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,257 (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.$180,100 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$176,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$360,200

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.51 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
CountyNEWAYGO
Lot (acres)The size of the land the home sits on, from county records.9.00
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.

M
White Cloud Junior High SchoolD
Middle · Grades 7–8 · 4.3 mi
H
White Cloud High SchoolD
High · Grades 9–12 · 4.4 mi
E
White Cloud Elementary SchoolC-
Elementary · Grades KG–5 · 4.5 mi

District: White Cloud Public Schools

Neighborhood · ZIP 49349These 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.152
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 100.15

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.75%
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.17%
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.9,405
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.44 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,236
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$65,611
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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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 S Oak Ave 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 96% of homes in White Cloud 49349
  • Has a bigger lot than 74% of homes in Newaygo County

What homes are worth in White Cloud 49349

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

This home
$50K$519K

This home is worth more than 96% of homes in White Cloud 49349.

How it measures up in White Cloud 49349

The dot is this home. The mark in the middle is the typical home in White Cloud 49349.

Estimated value$430,000
CheaperTypical $167,414Pricier

Pricier than 96% of homes nearby

Lot size9 ac
SmallerTypical 4.27 acBigger

Bigger than 64% of homes nearby

How 640 S Oak Ave ranks against every home in each area.
MeasureThis homeWhite Cloud 49349Newaygo County
Estimated valuepricier than$430,00096% of homes90% of homes
Lot sizebigger than9 ac64% of homes74% of homes

About 640 S Oak Ave

How much is 640 S Oak Ave, White Cloud, MI worth?

The TopHap Estimate for 640 S Oak Ave, White Cloud, MI is $430,000 as of Sep 24, 2026. The likely range is $360,702 to $499,298. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 S Oak Ave, White Cloud, MI last sell?

640 S Oak Ave, White Cloud, MI last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 640 S Oak Ave, White Cloud, MI?

640 S Oak Ave, White Cloud, MI is assigned to White Cloud Junior High School (middle), rated D; White Cloud High School (high), rated D; White Cloud Elementary School (elementary), rated C-. All sit in White Cloud Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 S Oak Ave, White Cloud, MI compare to other homes in White Cloud 49349?

Among the 4,545 homes in White Cloud 49349, it is worth more than 96% of them ($430,000 against a typical $167,414) and its lot is bigger than 64% of them (9 ac against a typical 4.27 ac). Measured against all of Newaygo County, it is worth more than 90% 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 S Oak Ave, White Cloud, MI?

The 2025 property tax bill for 640 S Oak Ave, White Cloud, MI was $2,257. The county assessed it at $180,100.

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Closest homes

More homes in White Cloud 49349

Assigned schools

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