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Single Family ResidenceResidential
$300,346$183 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

728 RUBY ST

OTSEGO, MI 49078
3
Beds
2.5
Baths
1,645 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$300K
$276K low$325K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,838 (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.$146,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$129,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$142,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$293,800

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.Ranch
CountyALLEGAN
Lot (acres)The size of the land the home sits on, from county records.0.37
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
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
Dix Street Elementary SchoolC
Elementary · Grades PK–5 · 0.5 mi
M
Otsego Middle SchoolB
Middle · Grades 6–8 · 1.4 mi
H
Otsego High SchoolA
High · Grades 9–12 · 1.4 mi

District: Otsego Public Schools

Neighborhood · ZIP 49078These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.75
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
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.9,851
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.188 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,792
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,213
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

728 Ruby 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.

  • Costs less per square foot than 73% of homes in Allegan County
  • Bigger than 69% of homes in Otsego 49078
  • Has a smaller lot than 72% of homes in Allegan County

What homes are worth in Otsego 49078

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

This home
$115K$546K

This home is worth more than 63% of homes in Otsego 49078.

How it measures up in Otsego 49078

The dot is this home. The mark in the middle is the typical home in Otsego 49078.

Estimated value$300,346
CheaperTypical $263,998Pricier

Pricier than 63% of homes nearby

Price per ft²$183
CheaperTypical $189Pricier

Pricier than 46% of homes nearby

Living area1,645 ft²
SmallerTypical 1,432 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.37 ac
SmallerTypical 0.62 acBigger

Bigger than 37% of homes nearby

Year built1979
OlderTypical 1974Newer

Newer than 57% of homes nearby

How 728 Ruby St ranks against every home in each area.
MeasureThis homeOtsego 49078Allegan County
Estimated valuepricier than$300,34663% of homes41% of homes
Price per ft²pricier than$18346% of homes27% of homes
Living areabigger than1,645 ft²69% of homes61% of homes
Lot sizebigger than0.37 ac37% of homes28% of homes
Year builtnewer than197957% of homes42% of homes

About 728 Ruby St

How much is 728 Ruby St, Otsego, MI worth?

The TopHap Estimate for 728 Ruby St, Otsego, MI is $300,346 as of Aug 30, 2026. The likely range is $275,775 to $324,917. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 728 Ruby St, Otsego, MI last sell?

728 Ruby St, Otsego, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 728 Ruby St, Otsego, MI?

728 Ruby St, Otsego, MI has 3 bedrooms, 2.5 bathrooms, 1,645 square feet of living space and a 0.37-acre lot.

When was 728 Ruby St, Otsego, MI built?

728 Ruby St, Otsego, MI was built in 1979, making it 47 years old. It is a ranch home. The building has 1 story.

What schools serve 728 Ruby St, Otsego, MI?

728 Ruby St, Otsego, MI is assigned to Dix Street Elementary School (elementary), rated C; Otsego Middle School (middle), rated B; Otsego High School (high), rated A. All sit in Otsego Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 728 Ruby St, Otsego, MI compare to other homes in Otsego 49078?

Among the 3,539 homes in Otsego 49078, it is worth more than 63% of them ($300,346 against a typical $263,998), its price per square foot is higher than 46% of them ($183 against a typical $189), it is bigger than 69% of them (1,645 ft² against a typical 1,432 ft²), its lot is bigger than 37% of them (0.37 ac against a typical 0.62 ac) and it is newer than 57% of them (1979 against a typical 1974). Measured against all of Allegan County, it is worth more than 41% 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 728 Ruby St, Otsego, MI?

The 2025 property tax bill for 728 Ruby St, Otsego, MI was $3,838. The county assessed it at $146,900.

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