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Single Family ResidenceResidential
$1,349,720
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 82How 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

644 SCOTTS BAY DR

INDIAN RIVER, MI 49749
0
Baths
2.39 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$1.3M
$1.1M low$1.6M 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.$1,349,720
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,079,776

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,860 (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.$712,100 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$659,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,424,200

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.38
70
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
42
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
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.43 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.1 percent flood zone

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
CountyCHEBOYGAN
Lot (acres)The size of the land the home sits on, from county records.2.39
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
Inland Lakes Elementary SchoolD
Elementary · Grades KG–5 · 5.7 mi
M
Inland Lakes Secondary SchoolB
Middle · Grades 6–12 · 5.7 mi

District: Inland Lakes Schools

Neighborhood · ZIP 49749These 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.129
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 100.9

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.55%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.0%
PopulationHow many people live in this area.4,110
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.46 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,500
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,470
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.31 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.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

644 Scotts Bay Dr 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 98% of homes in Cheboygan County
  • Has a bigger lot than 77% of homes in Indian River 49749

What homes are worth in Indian River 49749

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

This home
$45K$1.5M

This home is worth more than 96% of homes in Indian River 49749.

How it measures up in Indian River 49749

The dot is this home. The mark in the middle is the typical home in Indian River 49749.

Estimated value$1,349,720
CheaperTypical $299,997Pricier

Pricier than 96% of homes nearby

Lot size2.39 ac
SmallerTypical 0.72 acBigger

Bigger than 77% of homes nearby

How 644 Scotts Bay Dr ranks against every home in each area.
MeasureThis homeIndian River 49749Cheboygan County
Estimated valuepricier than$1,349,72096% of homes98% of homes
Lot sizebigger than2.39 ac77% of homes70% of homes

About 644 Scotts Bay Dr

How much is 644 Scotts Bay Dr, Indian River, MI worth?

The TopHap Estimate for 644 Scotts Bay Dr, Indian River, MI is $1,349,720 as of Jul 14, 2026. The likely range is $1,102,347 to $1,597,093. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Scotts Bay Dr, Indian River, MI last sell?

644 Scotts Bay Dr, Indian River, MI last sold on Jun 2, 2025, according to the county's recorded deed.

What schools serve 644 Scotts Bay Dr, Indian River, MI?

644 Scotts Bay Dr, Indian River, MI is assigned to Inland Lakes Elementary School (elementary), rated D; Inland Lakes Secondary School (middle), rated B. All sit in Inland Lakes Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 Scotts Bay Dr, Indian River, MI compare to other homes in Indian River 49749?

Among the 3,899 homes in Indian River 49749, it is worth more than 96% of them ($1,349,720 against a typical $299,997) and its lot is bigger than 77% of them (2.39 ac against a typical 0.72 ac). Measured against all of Cheboygan County, it is worth more than 98% 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 644 Scotts Bay Dr, Indian River, MI?

The 2025 property tax bill for 644 Scotts Bay Dr, Indian River, MI was $4,860. The county assessed it at $712,100.

Closest homes

More homes in Indian River 49749

Assigned schools

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