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Single Family ResidenceResidential
$289,700$143 / 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 94How 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 $195,000 on May 13, 2003

109 ROSEMARY ST

LAPEER, MI 48446
3
Beds
2
Baths
2,027 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.

Valuation

$290K
$274K low$306K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,000 · May 13, 2003
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.$169,700
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$135,760
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.41%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$120,000
THE HUNTINGTON NATIONAL BANK · recorded Dec 6, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,990 (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.$168,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$157,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$336,800

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.28
23
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
2
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.3 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 Residence
CountyLAPEER
Lot (acres)The size of the land the home sits on, from county records.0.20
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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(4)

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
Lapeer High SchoolA-
High · Grades 10–12 · 0.4 mi
M
Rolland-Warner 6-7 CampusB+
Middle · Grades 6–7 · 2.4 mi
E
Murphy Elementary SchoolB+
Elementary · Grades KG–5 · 6.0 mi

District: Lapeer Community Schools

Neighborhood · ZIP 48446These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

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.12%
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.30,964
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.249 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,471
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,078
Average tempThe average temperature here across a full year.47°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.53%

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

109 Rosemary 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 73% of homes in Lapeer 48446
  • Costs less per square foot than 68% of homes in Lapeer 48446
  • Bigger than 81% of homes in Lapeer 48446
  • Has a smaller lot than 92% of homes in Lapeer County
  • Newer than 83% of homes in Lapeer 48446

What homes are worth in Lapeer 48446

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

This home
$39K$559K

This home is worth more than 73% of homes in Lapeer 48446.

How it measures up in Lapeer 48446

The dot is this home. The mark in the middle is the typical home in Lapeer 48446.

Estimated value$289,700
CheaperTypical $220,835Pricier

Pricier than 73% of homes nearby

Price per ft²$143
CheaperTypical $161Pricier

Pricier than 32% of homes nearby

Living area2,027 ft²
SmallerTypical 1,502 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.21 ac
SmallerTypical 0.8 acBigger

Bigger than 13% of homes nearby

Year built1997
OlderTypical 1974Newer

Newer than 83% of homes nearby

How 109 Rosemary St ranks against every home in each area.
MeasureThis homeLapeer 48446Lapeer County
Estimated valuepricier than$289,70073% of homes66% of homes
Price per ft²pricier than$14332% of homes37% of homes
Living areabigger than2,027 ft²81% of homes77% of homes
Lot sizebigger than0.21 ac13% of homes8% of homes
Year builtnewer than199783% of homes76% of homes

About 109 Rosemary St

How much is 109 Rosemary St, Lapeer, MI worth?

The TopHap Estimate for 109 Rosemary St, Lapeer, MI is $289,700 as of Jul 14, 2026. The likely range is $273,663 to $305,737. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Rosemary St, Lapeer, MI last sell?

109 Rosemary St, Lapeer, MI last sold on May 13, 2003 for $195,000, according to the county's recorded deed.

How big is 109 Rosemary St, Lapeer, MI?

109 Rosemary St, Lapeer, MI has 3 bedrooms, 2 bathrooms, 2,027 square feet of living space and a 0.20-acre lot.

When was 109 Rosemary St, Lapeer, MI built?

109 Rosemary St, Lapeer, MI was built in 1997, making it 29 years old.

What schools serve 109 Rosemary St, Lapeer, MI?

109 Rosemary St, Lapeer, MI is assigned to Lapeer High School (high), rated A-; Rolland-Warner 6-7 Campus (middle), rated B+; Murphy Elementary School (elementary), rated B+. All sit in Lapeer Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Rosemary St, Lapeer, MI compare to other homes in Lapeer 48446?

Among the 11,154 homes in Lapeer 48446, it is worth more than 73% of them ($289,700 against a typical $220,835), its price per square foot is higher than 32% of them ($143 against a typical $161), it is bigger than 81% of them (2,027 ft² against a typical 1,502 ft²), its lot is bigger than 13% of them (0.21 ac against a typical 0.8 ac) and it is newer than 83% of them (1997 against a typical 1974). Measured against all of Lapeer County, it is worth more than 66% 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 109 Rosemary St, Lapeer, MI?

The 2025 property tax bill for 109 Rosemary St, Lapeer, MI was $3,990. The county assessed it at $168,400.

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Assigned schools

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