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Single Family ResidenceResidential
$128,256$113 / 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 89How 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

1012 JOSEPH ST

BAY CITY, MI 48706
3
Beds
1
Baths
1,137 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
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

$128K
$115K low$142K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,050 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$69,450 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$64,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$138,900

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.30
1
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.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
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
CountyBAY
Lot (acres)The size of the land the home sits on, from county records.0.32
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.Patio · 680 ft²Porch · 21 ft²

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.

M
Handy Middle SchoolC-
Middle · Grades 6–8 · 1.6 mi
E
Kolb Elementary SchoolC+
Elementary · Grades KG–5 · 2.3 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 2.4 mi

District: Bay City School District

Neighborhood · ZIP 48706These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.39,140
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.528 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,363
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,404
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%

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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

1012 Joseph 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 less than 72% of homes in Bay City 48706
  • Costs more per square foot than 69% of homes in Banks
  • Smaller than 73% of homes in Bay City 48706
  • Has a bigger lot than 87% of homes in Banks
  • Newer than 79% of homes in Banks

What homes are worth in Bay City 48706

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

This home
$60K$512K

This home is worth more than 28% of homes in Bay City 48706.

How it measures up in Bay City 48706

The dot is this home. The mark in the middle is the typical home in Bay City 48706.

Estimated value$128,256
CheaperTypical $187,553Pricier

Pricier than 28% of homes nearby

Price per ft²$113
CheaperTypical $136Pricier

Pricier than 32% of homes nearby

Living area1,137 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 27% of homes nearby

Lot size0.32 ac
SmallerTypical 0.3 acBigger

Bigger than 55% of homes nearby

Year built1960
OlderTypical 1958Newer

Newer than 54% of homes nearby

How 1012 Joseph St ranks against every home in each area.
MeasureThis homeBanksBay City 48706Bay County
Estimated valuepricier than$128,25668% of homes28% of homes31% of homes
Price per ft²pricier than$11369% of homes32% of homes38% of homes
Living areabigger than1,137 ft²53% of homes27% of homes27% of homes
Lot sizebigger than0.32 ac87% of homes55% of homes47% of homes
Year builtnewer than196079% of homes54% of homes57% of homes

About 1012 Joseph St

How much is 1012 Joseph St, Bay City, MI worth?

The TopHap Estimate for 1012 Joseph St, Bay City, MI is $128,256 as of Sep 24, 2026. The likely range is $114,594 to $141,918. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1012 Joseph St, Bay City, MI last sell?

1012 Joseph St, Bay City, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1012 Joseph St, Bay City, MI?

1012 Joseph St, Bay City, MI has 3 bedrooms, 1 bathrooms, 1,137 square feet of living space and a 0.32-acre lot.

When was 1012 Joseph St, Bay City, MI built?

1012 Joseph St, Bay City, MI was built in 1960, making it 66 years old. The building has 1 story.

What schools serve 1012 Joseph St, Bay City, MI?

1012 Joseph St, Bay City, MI is assigned to Handy Middle School (middle), rated C-; Kolb Elementary School (elementary), rated C+; Bay City Central High School (high), rated B-. All sit in Bay City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1012 Joseph St, Bay City, MI compare to other homes in Bay City 48706?

Among the 15,668 homes in Bay City 48706, it is worth more than 28% of them ($128,256 against a typical $187,553), its price per square foot is higher than 32% of them ($113 against a typical $136), it is bigger than 27% of them (1,137 ft² against a typical 1,392 ft²), its lot is bigger than 55% of them (0.32 ac against a typical 0.3 ac) and it is newer than 54% of them (1960 against a typical 1958). Measured against all of Bay County, it is worth more than 31% 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 1012 Joseph St, Bay City, MI?

The 2026 property tax bill for 1012 Joseph St, Bay City, MI was $2,050. The county assessed it at $69,450.

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