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Single Family ResidentialResidential
$302,371$117 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

646 STATE ST

HARBOR BEACH, MI 48441
5
Beds
5
Baths
2,588 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.
0.62 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.

Valuation

$302K
$287K low$318K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,590 (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.$93,800 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$98,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$187,600

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.35
51
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
41
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
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.15 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 Residential
CountyHURON
Lot (acres)The size of the land the home sits on, from county records.0.62
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

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

M
Harbor Beach Middle SchoolC-
Middle · Grades 6–8 · 0.2 mi
E
Harbor Beach Elementary SchoolD+
Elementary · Grades KG–5 · 0.2 mi
H
Harbor Beach High SchoolD+
High · Grades 9–12 · 0.3 mi

District: Harbor Beach Community Schools

Neighborhood · ZIP 48441These 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.131
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
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.1.4%
PopulationHow many people live in this area.3,884
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,613
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,560
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.53%

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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

646 State 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 more than 72% of homes in Huron County
  • Costs less per square foot than 79% of homes in Harbor Beach 48441
  • Bigger than 95% of homes in Huron County
  • Older than 98% of homes in Huron County

What homes are worth in Harbor Beach 48441

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

This home
$80K$794K

This home is worth more than 67% of homes in Harbor Beach 48441.

How it measures up in Harbor Beach 48441

The dot is this home. The mark in the middle is the typical home in Harbor Beach 48441.

Estimated value$302,371
CheaperTypical $224,525Pricier

Pricier than 67% of homes nearby

Price per ft²$117
CheaperTypical $162Pricier

Pricier than 21% of homes nearby

Living area2,588 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 94% of homes nearby

Lot size0.62 ac
SmallerTypical 0.7 acBigger

Bigger than 47% of homes nearby

Year built1890
OlderTypical 1956Newer

Newer than 5% of homes nearby

How 646 State St ranks against every home in each area.
MeasureThis homeHarbor Beach 48441Huron County
Estimated valuepricier than$302,37167% of homes72% of homes
Price per ft²pricier than$11721% of homes23% of homes
Living areabigger than2,588 ft²94% of homes95% of homes
Lot sizebigger than0.62 ac47% of homes59% of homes
Year builtnewer than18905% of homes2% of homes

About 646 State St

How much is 646 State St, Harbor Beach, MI worth?

The TopHap Estimate for 646 State St, Harbor Beach, MI is $302,371 as of Oct 21, 2026. The likely range is $287,181 to $317,561. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 State St, Harbor Beach, MI last sell?

646 State St, Harbor Beach, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 646 State St, Harbor Beach, MI?

646 State St, Harbor Beach, MI has 5 bedrooms, 5 bathrooms, 2,588 square feet of living space and a 0.62-acre lot.

When was 646 State St, Harbor Beach, MI built?

646 State St, Harbor Beach, MI was built in 1890, making it 136 years old.

What schools serve 646 State St, Harbor Beach, MI?

646 State St, Harbor Beach, MI is assigned to Harbor Beach Middle School (middle), rated C-; Harbor Beach Elementary School (elementary), rated D+; Harbor Beach High School (high), rated D+. All sit in Harbor Beach Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 State St, Harbor Beach, MI compare to other homes in Harbor Beach 48441?

Among the 2,048 homes in Harbor Beach 48441, it is worth more than 67% of them ($302,371 against a typical $224,525), its price per square foot is higher than 21% of them ($117 against a typical $162), it is bigger than 94% of them (2,588 ft² against a typical 1,392 ft²), its lot is bigger than 47% of them (0.62 ac against a typical 0.7 ac) and it is newer than 5% of them (1890 against a typical 1956). Measured against all of Huron County, it is worth more than 72% 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 646 State St, Harbor Beach, MI?

The 2025 property tax bill for 646 State St, Harbor Beach, MI was $3,590. The county assessed it at $93,800.

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