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Single Family ResidenceResidential
$283,309$335 / 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 Jul 14, 2026
Last sold for $260,000 on Aug 8, 2024

641 SPENCER ST NE

GRAND RAPIDS, MI 49505
3
Beds
1.5
Baths
845 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
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

$283K
$253K low$313K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$260,000 · Aug 8, 2024
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.$28,509
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$22,807
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.88%
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.$254,800
ROCKET MORTGAGE LLC · 4.99% 1 · recorded Jul 14, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,645 (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.$84,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$73,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$168,000

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.40
33
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.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 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
CountyKENT
Lot (acres)The size of the land the home sits on, from county records.0.11
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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 · 156 ft²

Transaction History(13)

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
Kent Hills Elementary SchoolD
Elementary · Grades PK–5 · 0.2 mi
M
City High Middle SchoolA
Middle · Grades 7–12 · 0.5 mi

District: Grand Rapids Public Schools

Neighborhood · ZIP 49505These 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.76
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.32,605
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,625 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,110
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,949
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.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

641 Spencer St Ne 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 69% of homes in Kent County
  • Costs more per square foot than 98% of homes in Creston
  • Smaller than 95% of homes in Creston
  • Has a smaller lot than 88% of homes in Grand Rapids 49505
  • Older than 87% of homes in Kent County

What homes are worth in Grand Rapids 49505

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

This home
$173K$560K

This home is worth more than 40% of homes in Grand Rapids 49505.

How it measures up in Grand Rapids 49505

The dot is this home. The mark in the middle is the typical home in Grand Rapids 49505.

Estimated value$283,309
CheaperTypical $300,135Pricier

Pricier than 40% of homes nearby

Price per ft²$335
CheaperTypical $243Pricier

Pricier than 95% of homes nearby

Living area845 ft²
SmallerTypical 1,257 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.11 ac
SmallerTypical 0.17 acBigger

Bigger than 12% of homes nearby

Year built1920
OlderTypical 1951Newer

Newer than 19% of homes nearby

How 641 Spencer St Ne ranks against every home in each area.
MeasureThis homeCrestonGrand Rapids 49505Kent County
Estimated valuepricier than$283,30954% of homes40% of homes31% of homes
Price per ft²pricier than$33598% of homes95% of homes89% of homes
Living areabigger than845 ft²5% of homes5% of homes5% of homes
Lot sizebigger than0.11 ac22% of homes12% of homes14% of homes
Year builtnewer than192036% of homes19% of homes13% of homes

About 641 Spencer St Ne

How much is 641 Spencer St Ne, Grand Rapids, MI worth?

The TopHap Estimate for 641 Spencer St Ne, Grand Rapids, MI is $283,309 as of Jul 14, 2026. The likely range is $253,326 to $313,292. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 641 Spencer St Ne, Grand Rapids, MI last sell?

641 Spencer St Ne, Grand Rapids, MI last sold on Aug 8, 2024 for $260,000, according to the county's recorded deed. TopHap holds 8 recorded sales for this parcel.

How big is 641 Spencer St Ne, Grand Rapids, MI?

641 Spencer St Ne, Grand Rapids, MI has 3 bedrooms, 1.5 bathrooms, 845 square feet of living space and a 0.11-acre lot.

When was 641 Spencer St Ne, Grand Rapids, MI built?

641 Spencer St Ne, Grand Rapids, MI was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 641 Spencer St Ne, Grand Rapids, MI?

641 Spencer St Ne, Grand Rapids, MI is assigned to Kent Hills Elementary School (elementary), rated D; City High Middle School (middle), rated A. All sit in Grand Rapids Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 641 Spencer St Ne, Grand Rapids, MI compare to other homes in Grand Rapids 49505?

Among the 10,611 homes in Grand Rapids 49505, it is worth more than 40% of them ($283,309 against a typical $300,135), its price per square foot is higher than 95% of them ($335 against a typical $243), it is bigger than 5% of them (845 ft² against a typical 1,257 ft²), its lot is bigger than 12% of them (0.11 ac against a typical 0.17 ac) and it is newer than 19% of them (1920 against a typical 1951). Measured against all of Kent County, it is worth more than 31% 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 641 Spencer St Ne, Grand Rapids, MI?

The 2025 property tax bill for 641 Spencer St Ne, Grand Rapids, MI was $2,645. The county assessed it at $84,000.

Closest homes

More homes in Grand Rapids 49505

Assigned schools

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