Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$125,479$89 / 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 90How 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
Last sold for $55,900 on Jul 16, 1998

107 SPRUCE ST

BAY CITY, MI 48706
3
Beds
1
Baths
1,406 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$125K
$113K low$138K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$55,900 · Jul 16, 1998

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,467 (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.$64,150 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$61,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$128,300

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.0.18
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 · 440 ft²Porch · 32 ft²

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

M
Handy Middle SchoolD+
Middle · Grades 6–8 · 1.0 mi
E
Kolb Elementary SchoolC
Elementary · Grades KG–5 · 1.7 mi
H
Bay City Central High SchoolC+
High · Grades 9–12 · 2.0 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%

Owner Tools

Do you own this home?
Claim this home

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

107 Spruce 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 73% of homes in Bay City 48706
  • Costs less per square foot than 82% of homes in Bay City 48706
  • Bigger than 80% of homes in Banks
  • Has a smaller lot than 74% of homes in Bay City 48706
  • Older than 81% of homes in Bay City 48706

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
$57K$493K

This home is worth more than 27% 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$125,479
CheaperTypical $185,295Pricier

Pricier than 27% of homes nearby

Price per ft²$89
CheaperTypical $137Pricier

Pricier than 18% of homes nearby

Living area1,406 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.18 ac
SmallerTypical 0.3 acBigger

Bigger than 26% of homes nearby

Year built1920
OlderTypical 1958Newer

Newer than 19% of homes nearby

How 107 Spruce St ranks against every home in each area.
MeasureThis homeBanksBay City 48706Bay County
Estimated valuepricier than$125,47966% of homes27% of homes30% of homes
Price per ft²pricier than$8938% of homes18% of homes21% of homes
Living areabigger than1,406 ft²80% of homes51% of homes52% of homes
Lot sizebigger than0.18 ac55% of homes26% of homes27% of homes
Year builtnewer than192028% of homes19% of homes23% of homes

About 107 Spruce St

How much is 107 Spruce St, Bay City, MI worth?

The TopHap Estimate for 107 Spruce St, Bay City, MI is $125,479 as of Sep 24, 2026. The likely range is $112,751 to $138,207. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 107 Spruce St, Bay City, MI last sell?

107 Spruce St, Bay City, MI last sold on Jul 16, 1998 for $55,900, according to the county's recorded deed.

How big is 107 Spruce St, Bay City, MI?

107 Spruce St, Bay City, MI has 3 bedrooms, 1 bathrooms, 1,406 square feet of living space and a 0.18-acre lot.

When was 107 Spruce St, Bay City, MI built?

107 Spruce St, Bay City, MI was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 107 Spruce St, Bay City, MI?

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

How does 107 Spruce 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 27% of them ($125,479 against a typical $185,295), its price per square foot is higher than 18% of them ($89 against a typical $137), it is bigger than 51% of them (1,406 ft² against a typical 1,392 ft²), its lot is bigger than 26% of them (0.18 ac against a typical 0.3 ac) and it is newer than 19% of them (1920 against a typical 1958). Measured against all of Bay County, it is worth more than 30% 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 107 Spruce St, Bay City, MI?

The 2026 property tax bill for 107 Spruce St, Bay City, MI was $1,467. The county assessed it at $64,150.

More homes on Spruce St

Closest homes

More homes in Bay City 48706

Assigned schools

Explore the area

See this home in context

Open 107 Spruce St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map