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Single Family ResidenceResidential
$296,255$159 / 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 91How 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

405 RICHARD CT

MIDLAND, MI 48640
3
Beds
3
Baths
1,866 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
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

$296K
$271K low$321K high
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.$187,721
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$150,177
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.35%
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.$108,534
WEST CAPITAL LENDING INC · recorded Jan 23, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,609 (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.$117,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$234,000

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.39
58
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
61
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
4
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.21 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyMIDLAND
Lot (acres)The size of the land the home sits on, from county records.0.23
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(2)

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
Central Park Elementary SchoolB
Elementary · Grades KG–5 · 0.4 mi
H
Midland High SchoolA-
High · Grades 9–12 · 1.1 mi
M
Northeast Middle SchoolA
Middle · Grades 6–8 · 1.2 mi

District: Midland Public Schools

Neighborhood · ZIP 48640These 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.85
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

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.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.32,324
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.290 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$83,196
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,376
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.50%

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.Yes

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

405 Richard Ct 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 68% of homes in Midland 48640
  • Bigger than 70% of homes in Midland County
  • Has a smaller lot than 83% of homes in Midland County
  • Newer than 66% of homes in Midland 48640

What homes are worth in Midland 48640

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

This home
$83K$574K

This home is worth more than 68% of homes in Midland 48640.

How it measures up in Midland 48640

The dot is this home. The mark in the middle is the typical home in Midland 48640.

Estimated value$296,255
CheaperTypical $236,437Pricier

Pricier than 68% of homes nearby

Price per ft²$159
CheaperTypical $157Pricier

Pricier than 52% of homes nearby

Living area1,866 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.23 ac
SmallerTypical 0.48 acBigger

Bigger than 23% of homes nearby

Year built1977
OlderTypical 1967Newer

Newer than 66% of homes nearby

How 405 Richard Ct ranks against every home in each area.
MeasureThis homeMidland 48640Midland County
Estimated valuepricier than$296,25568% of homes67% of homes
Price per ft²pricier than$15952% of homes46% of homes
Living areabigger than1,866 ft²68% of homes70% of homes
Lot sizebigger than0.23 ac23% of homes17% of homes
Year builtnewer than197766% of homes59% of homes

About 405 Richard Ct

How much is 405 Richard Ct, Midland, MI worth?

The TopHap Estimate for 405 Richard Ct, Midland, MI is $296,255 as of Jul 14, 2026. The likely range is $271,024 to $321,486. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 Richard Ct, Midland, MI last sell?

405 Richard Ct, Midland, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 405 Richard Ct, Midland, MI?

405 Richard Ct, Midland, MI has 3 bedrooms, 3 bathrooms, 1,866 square feet of living space and a 0.23-acre lot.

When was 405 Richard Ct, Midland, MI built?

405 Richard Ct, Midland, MI was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 405 Richard Ct, Midland, MI?

405 Richard Ct, Midland, MI is assigned to Central Park Elementary School (elementary), rated B; Midland High School (high), rated A-; Northeast Middle School (middle), rated A. All sit in Midland Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 405 Richard Ct, Midland, MI compare to other homes in Midland 48640?

Among the 11,804 homes in Midland 48640, it is worth more than 68% of them ($296,255 against a typical $236,437), its price per square foot is higher than 52% of them ($159 against a typical $157), it is bigger than 68% of them (1,866 ft² against a typical 1,536 ft²), its lot is bigger than 23% of them (0.23 ac against a typical 0.48 ac) and it is newer than 66% of them (1977 against a typical 1967). Measured against all of Midland County, it is worth more than 67% 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 405 Richard Ct, Midland, MI?

The 2025 property tax bill for 405 Richard Ct, Midland, MI was $3,609. The county assessed it at $117,000.

More homes on Richard Ct

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Assigned schools

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