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Single Family ResidenceResidential
$289,031$209 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

973 ROCKY LN

MIDDLEBURY, IN 46540
3
Beds
2
Baths
1,386 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$289K
$278K low$300K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,300 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$285,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$258,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$265,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$285,500

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyELKHART
Lot (acres)The size of the land the home sits on, from county records.0.29
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Shed · 192 ft²Porch · 114 ft²

Transaction History(3)

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.

H
Northridge High School
High · Grades 9–12 · 0.5 mi
M
Northridge Middle SchoolB+
Middle · Grades 6–8 · 0.6 mi
E
Middlebury Elementary SchoolA
Elementary · Grades KG–3 · 1.3 mi

District: Middlebury Community Schools

Neighborhood · ZIP 46540These 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.57
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 100.27

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.13,113
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.209 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,567
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,267
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.60%

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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

973 Rocky Ln 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 74% of homes in Middlebury 46540
  • Costs more per square foot than 78% of homes in Elkhart County
  • Smaller than 76% of homes in Middlebury 46540
  • Has a smaller lot than 84% of homes in Middlebury 46540
  • Newer than 86% of homes in Elkhart County

What homes are worth in Middlebury 46540

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

This home
$173K$943K

This home is worth more than 26% of homes in Middlebury 46540.

How it measures up in Middlebury 46540

The dot is this home. The mark in the middle is the typical home in Middlebury 46540.

Estimated value$289,031
CheaperTypical $366,634Pricier

Pricier than 26% of homes nearby

Price per ft²$209
CheaperTypical $201Pricier

Pricier than 55% of homes nearby

Living area1,386 ft²
SmallerTypical 1,837 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.29 ac
SmallerTypical 0.75 acBigger

Bigger than 16% of homes nearby

Year built2003
OlderTypical 1991Newer

Newer than 77% of homes nearby

How 973 Rocky Ln ranks against every home in each area.
MeasureThis homeMiddlebury 46540Elkhart County
Estimated valuepricier than$289,03126% of homes61% of homes
Price per ft²pricier than$20955% of homes78% of homes
Living areabigger than1,386 ft²24% of homes39% of homes
Lot sizebigger than0.29 ac16% of homes36% of homes
Year builtnewer than200377% of homes86% of homes

About 973 Rocky Ln

How much is 973 Rocky Ln, Middlebury, IN worth?

The TopHap Estimate for 973 Rocky Ln, Middlebury, IN is $289,031 as of Sep 24, 2026. The likely range is $277,915 to $300,147. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 973 Rocky Ln, Middlebury, IN last sell?

973 Rocky Ln, Middlebury, IN last sold on Apr 17, 2006, according to the county's recorded deed.

How big is 973 Rocky Ln, Middlebury, IN?

973 Rocky Ln, Middlebury, IN has 3 bedrooms, 2 bathrooms, 1,386 square feet of living space and a 0.29-acre lot.

When was 973 Rocky Ln, Middlebury, IN built?

973 Rocky Ln, Middlebury, IN was built in 2003, making it 23 years old. The building has 1 story.

What schools serve 973 Rocky Ln, Middlebury, IN?

973 Rocky Ln, Middlebury, IN is assigned to Northridge High School (high); Northridge Middle School (middle), rated B+; Middlebury Elementary School (elementary), rated A. All sit in Middlebury Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 973 Rocky Ln, Middlebury, IN compare to other homes in Middlebury 46540?

Among the 4,248 homes in Middlebury 46540, it is worth more than 26% of them ($289,031 against a typical $366,634), its price per square foot is higher than 55% of them ($209 against a typical $201), it is bigger than 24% of them (1,386 ft² against a typical 1,837 ft²), its lot is bigger than 16% of them (0.29 ac against a typical 0.75 ac) and it is newer than 77% of them (2003 against a typical 1991). Measured against all of Elkhart County, it is worth more than 61% 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 973 Rocky Ln, Middlebury, IN?

The 2024 property tax bill for 973 Rocky Ln, Middlebury, IN was $5,300. The county assessed it at $285,500.

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