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Single Family ResidenceResidential
$349,100$197 / 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 97How 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 $206,229 on Apr 26, 2023

646 SWAN RIVER DR

BENTON HARBOR, MI 49022
3
Beds
1
Baths
1,775 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$349K
$338K low$360K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$206,229 · Apr 26, 2023
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.$349,100
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$279,280

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,387 (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.$194,300 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$178,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$388,600

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.197 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.0.2 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
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountyBERRIEN
Lot (acres)The size of the land the home sits on, from county records.0.24
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

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.

M
Fair Plain Middle SchoolD-
Middle · Grades 6–8 · 2.0 mi
H
Benton Harbor High SchoolD-
High · Grades 9–12 · 3.0 mi
E
Martin Luther King Jr Elementary SchoolF
Elementary · Grades 1–3 · 4.5 mi

District: Benton Harbor Area Schools

Neighborhood · ZIP 49022These 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.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

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.88%
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.30%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.29,737
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.423 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$45,476
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$61,980
Average tempThe average temperature here across a full year.49°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.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

646 Swan River 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 90% of homes in Benton Harbor 49022
  • Costs more per square foot than 88% of homes in Benton Harbor 49022
  • Bigger than 80% of homes in Benton Harbor 49022
  • Has a smaller lot than 73% of homes in Berrien County
  • Among the newest homes in Benton Harbor 49022

What homes are worth in Benton Harbor 49022

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

This home
$25K$737K

This home is worth more than 90% of homes in Benton Harbor 49022.

How it measures up in Benton Harbor 49022

The dot is this home. The mark in the middle is the typical home in Benton Harbor 49022.

Estimated value$349,100
CheaperTypical $134,508Pricier

Pricier than 90% of homes nearby

Price per ft²$197
CheaperTypical $114Pricier

Pricier than 88% of homes nearby

Living area1,775 ft²
SmallerTypical 1,235 ft²Bigger

Bigger than 80% of homes nearby

Lot size0.24 ac
SmallerTypical 0.27 acBigger

Bigger than 43% of homes nearby

Year built2021
OlderTypical 1952Newer

Newer than almost all homes nearby

How 646 Swan River Dr ranks against every home in each area.
MeasureThis homeBenton Harbor 49022Berrien County
Estimated valuepricier than$349,10090% of homes65% of homes
Price per ft²pricier than$19788% of homes56% of homes
Living areabigger than1,775 ft²80% of homes66% of homes
Lot sizebigger than0.24 ac43% of homes27% of homes
Year builtnewer than2021almost all homesalmost all homes

About 646 Swan River Dr

How much is 646 Swan River Dr, Benton Harbor, MI worth?

The TopHap Estimate for 646 Swan River Dr, Benton Harbor, MI is $349,100 as of Jul 14, 2026. The likely range is $338,336 to $359,864. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Swan River Dr, Benton Harbor, MI last sell?

646 Swan River Dr, Benton Harbor, MI last sold on Apr 26, 2023 for $206,229, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 646 Swan River Dr, Benton Harbor, MI?

646 Swan River Dr, Benton Harbor, MI has 3 bedrooms, 1 bathrooms, 1,775 square feet of living space and a 0.24-acre lot.

When was 646 Swan River Dr, Benton Harbor, MI built?

646 Swan River Dr, Benton Harbor, MI was built in 2021, making it 5 years old. It is a raised ranch home.

What schools serve 646 Swan River Dr, Benton Harbor, MI?

646 Swan River Dr, Benton Harbor, MI is assigned to Fair Plain Middle School (middle), rated D-; Benton Harbor High School (high), rated D-; Martin Luther King Jr Elementary School (elementary), rated F. All sit in Benton Harbor Area Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Swan River Dr, Benton Harbor, MI compare to other homes in Benton Harbor 49022?

Among the 11,350 homes in Benton Harbor 49022, it is worth more than 90% of them ($349,100 against a typical $134,508), its price per square foot is higher than 88% of them ($197 against a typical $114), it is bigger than 80% of them (1,775 ft² against a typical 1,235 ft²), its lot is bigger than 43% of them (0.24 ac against a typical 0.27 ac) and it is newer than almost all of them (2021 against a typical 1952). Measured against all of Berrien County, it is worth more than 65% 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 Swan River Dr, Benton Harbor, MI?

The 2025 property tax bill for 646 Swan River Dr, Benton Harbor, MI was $5,387. The county assessed it at $194,300.

Closest homes

More homes in Benton Harbor 49022

Assigned schools

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