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Single Family ResidenceResidential
$93,907$267 / 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 68How 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 $800 on Jun 15, 1990

9650 SPEARS RD

ROSCOMMON, MI 48653
3
Beds
1
Baths
352 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.

Valuation

$94K
$64K low$124K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$800 · Jun 15, 1990
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.$93,907
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,126

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$396 (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.$20,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$18,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$41,200

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.37 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
CountyCRAWFORD
Lot (acres)The size of the land the home sits on, from county records.0.33
HeatingThe type of heating system in the home.Space
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Grayling Middle SchoolB-
Middle · Grades 5–8 · 8.3 mi
E
Grayling Elementary SchoolB-
Elementary · Grades PK–4 · 8.4 mi
H
Grayling High SchoolB+
High · Grades 9–12 · 10.7 mi

District: Crawford Ausable Schools

Neighborhood · ZIP 48653These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.8

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.46%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.8,693
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,129
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,277
Average tempThe average temperature here across a full year.43°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.Absentee owner
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

9650 Spears Rd 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 91% of homes in Roscommon 48653
  • Costs more per square foot than 80% of homes in Roscommon 48653
  • Among the smallest homes in Roscommon 48653

What homes are worth in Roscommon 48653

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

This home
$48K$1.3M

This home is worth more than 9% of homes in Roscommon 48653.

How it measures up in Roscommon 48653

The dot is this home. The mark in the middle is the typical home in Roscommon 48653.

Estimated value$93,907
CheaperTypical $207,423Pricier

Pricier than 9% of homes nearby

Price per ft²$267
CheaperTypical $184Pricier

Pricier than 80% of homes nearby

Living area352 ft²
SmallerTypical 1,196 ft²Bigger

Smaller than almost all homes nearby

Lot size0.33 ac
SmallerTypical 0.5 acBigger

Bigger than 36% of homes nearby

How 9650 Spears Rd ranks against every home in each area.
MeasureThis homeRoscommon 48653
Estimated valuepricier than$93,9079% of homes
Price per ft²pricier than$26780% of homes
Living areabigger than352 ft²almost no homes
Lot sizebigger than0.33 ac36% of homes

About 9650 Spears Rd

How much is 9650 Spears Rd, Roscommon, MI worth?

The TopHap Estimate for 9650 Spears Rd, Roscommon, MI is $93,907 as of Jul 14, 2026. The likely range is $63,675 to $124,139. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 9650 Spears Rd, Roscommon, MI last sell?

9650 Spears Rd, Roscommon, MI last sold on Jun 15, 1990 for $800, according to the county's recorded deed.

How big is 9650 Spears Rd, Roscommon, MI?

9650 Spears Rd, Roscommon, MI has 3 bedrooms, 1 bathrooms, 352 square feet of living space and a 0.33-acre lot.

What schools serve 9650 Spears Rd, Roscommon, MI?

9650 Spears Rd, Roscommon, MI is assigned to Grayling Middle School (middle), rated B-; Grayling Elementary School (elementary), rated B-; Grayling High School (high), rated B+. All sit in Crawford Ausable Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 9650 Spears Rd, Roscommon, MI compare to other homes in Roscommon 48653?

Among the 10,496 homes in Roscommon 48653, it is worth more than 9% of them ($93,907 against a typical $207,423), its price per square foot is higher than 80% of them ($267 against a typical $184), it is bigger than almost none of them (352 ft² against a typical 1,196 ft²) and its lot is bigger than 36% of them (0.33 ac against a typical 0.5 ac). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 9650 Spears Rd, Roscommon, MI?

The 2025 property tax bill for 9650 Spears Rd, Roscommon, MI was $396. The county assessed it at $20,600.

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Assigned schools

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Open 9650 Spears Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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