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Single Family ResidenceResidential
$242,981$169 / 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 $73,000 on Sep 7, 2012

640 THOMAS ST SE

GRAND RAPIDS, MI 49503
3
Beds
2.5
Baths
1,436 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
2012
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$243K
$226K 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.$73,000 · Sep 7, 2012
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.$169,981
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$135,985
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.22%
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.$58,400
CHEMICAL BANK · recorded Sep 7, 2012
2nd 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.$14,600
HOUSING DEVELOPMENT CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,870 (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.$194,400 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$179,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$388,800

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.33
1
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.
61
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
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.
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
Lot (acres)The size of the land the home sits on, from county records.0.16
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.Porch · 120 ft²

Transaction History(6)

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
Martin Luther King Leadership AcademyD+
Elementary · Grades PK–8 · 0.3 mi
H
Grand Rapids University Preparatory AcademyB-
High · Grades 6–12 · 0.8 mi

District: Grand Rapids Public Schools

Neighborhood · ZIP 49503These 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.149
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

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.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
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.40,149
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,306 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,548
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,334
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.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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 Thomas St Se 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 82% of homes in Kent County
  • Costs less per square foot than 88% of homes in Kent County
  • Has a bigger lot than 89% of homes in Southeast Community / SECA
  • Newer than 98% of homes in Grand Rapids 49503

What homes are worth in Grand Rapids 49503

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

This home
$124K$785K

This home is worth more than 33% of homes in Grand Rapids 49503.

How it measures up in Grand Rapids 49503

The dot is this home. The mark in the middle is the typical home in Grand Rapids 49503.

Estimated value$242,981
CheaperTypical $283,593Pricier

Pricier than 33% of homes nearby

Price per ft²$169
CheaperTypical $212Pricier

Pricier than 28% of homes nearby

Living area1,436 ft²
SmallerTypical 1,356 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.16 ac
SmallerTypical 0.14 acBigger

Bigger than 67% of homes nearby

Year built2012
OlderTypical 1918Newer

Newer than 98% of homes nearby

How 640 Thomas St Se ranks against every home in each area.
MeasureThis homeSoutheast Community / SECAGrand Rapids 49503Kent County
Estimated valuepricier than$242,98174% of homes33% of homes18% of homes
Price per ft²pricier than$16979% of homes28% of homes12% of homes
Living areabigger than1,436 ft²44% of homes56% of homes50% of homes
Lot sizebigger than0.16 ac89% of homes67% of homes28% of homes
Year builtnewer than201297% of homes98% of homes95% of homes

About 640 Thomas St Se

How much is 640 Thomas St Se, Grand Rapids, MI worth?

The TopHap Estimate for 640 Thomas St Se, Grand Rapids, MI is $242,981 as of Jul 14, 2026. The likely range is $226,060 to $259,902. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Thomas St Se, Grand Rapids, MI last sell?

640 Thomas St Se, Grand Rapids, MI last sold on Sep 7, 2012 for $73,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 640 Thomas St Se, Grand Rapids, MI?

640 Thomas St Se, Grand Rapids, MI has 3 bedrooms, 2.5 bathrooms, 1,436 square feet of living space and a 0.16-acre lot.

When was 640 Thomas St Se, Grand Rapids, MI built?

640 Thomas St Se, Grand Rapids, MI was built in 2012, making it 14 years old. The building has 2 stories.

What schools serve 640 Thomas St Se, Grand Rapids, MI?

640 Thomas St Se, Grand Rapids, MI is assigned to Martin Luther King Leadership Academy (elementary), rated D+; Grand Rapids University Preparatory Academy (high), rated B-. All sit in Grand Rapids Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Thomas St Se, Grand Rapids, MI compare to other homes in Grand Rapids 49503?

Among the 9,995 homes in Grand Rapids 49503, it is worth more than 33% of them ($242,981 against a typical $283,593), its price per square foot is higher than 28% of them ($169 against a typical $212), it is bigger than 56% of them (1,436 ft² against a typical 1,356 ft²), its lot is bigger than 67% of them (0.16 ac against a typical 0.14 ac) and it is newer than 98% of them (2012 against a typical 1918). Measured against all of Kent 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 Thomas St Se, Grand Rapids, MI?

The 2025 property tax bill for 640 Thomas St Se, Grand Rapids, MI was $1,870. The county assessed it at $194,400.

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