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Single Family ResidenceResidential
$168,778$120 / 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 96How 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 $73,395 on May 9, 2013

12098 ELM ST

BIRCH RUN, MI 48415
3
Beds
1
Baths
1,408 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1947
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$169K
$163K low$175K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$73,395 · May 9, 2013
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.$93,886
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,109
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.43%
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.$74,892
RESIDENTIAL ACCEPTANCE CORPORATION · recorded May 9, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,330 (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.$88,200 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$82,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$176,400

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.31
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
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.
60
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.0.36
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 45 ft²

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.

Foreclosure Filings(3)

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

E
North Elementary SchoolB+
Elementary · Grades PK–4 · 0.2 mi
H
Birch Run High SchoolB-
High · Grades 9–12 · 0.3 mi
M
Marshall Greene Middle SchoolB-
Middle · Grades 5–8 · 0.4 mi

District: Birch Run Area School District

Neighborhood · ZIP 48415These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.94%
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.6.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.9,724
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.143 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,029
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,879
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.32 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.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

12098 Elm 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 76% of homes in Birch Run 48415
  • Costs less per square foot than 77% of homes in Birch Run 48415
  • Has a smaller lot than 91% of homes in Birch Run 48415
  • Older than 81% of homes in Birch Run 48415

What homes are worth in Birch Run 48415

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

This home
$92K$557K

This home is worth more than 24% of homes in Birch Run 48415.

How it measures up in Birch Run 48415

The dot is this home. The mark in the middle is the typical home in Birch Run 48415.

Estimated value$168,778
CheaperTypical $216,597Pricier

Pricier than 24% of homes nearby

Price per ft²$120
CheaperTypical $148Pricier

Pricier than 23% of homes nearby

Living area1,408 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.36 ac
SmallerTypical 1.6 acBigger

Bigger than 9% of homes nearby

Year built1947
OlderTypical 1971Newer

Newer than 19% of homes nearby

How 12098 Elm St ranks against every home in each area.
MeasureThis homeBirch Run 48415Saginaw County
Estimated valuepricier than$168,77824% of homes52% of homes
Price per ft²pricier than$12023% of homes53% of homes
Living areabigger than1,408 ft²41% of homes51% of homes
Lot sizebigger than0.36 ac9% of homes56% of homes
Year builtnewer than194719% of homes28% of homes

About 12098 Elm St

How much is 12098 Elm St, Birch Run, MI worth?

The TopHap Estimate for 12098 Elm St, Birch Run, MI is $168,778 as of Jul 14, 2026. The likely range is $162,760 to $174,796. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12098 Elm St, Birch Run, MI last sell?

12098 Elm St, Birch Run, MI last sold on May 9, 2013 for $73,395, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 12098 Elm St, Birch Run, MI?

12098 Elm St, Birch Run, MI has 3 bedrooms, 1 bathrooms, 1,408 square feet of living space and a 0.36-acre lot.

When was 12098 Elm St, Birch Run, MI built?

12098 Elm St, Birch Run, MI was built in 1947, making it 79 years old. It is a raised ranch home. The building has 1 story.

What schools serve 12098 Elm St, Birch Run, MI?

12098 Elm St, Birch Run, MI is assigned to North Elementary School (elementary), rated B+; Birch Run High School (high), rated B-; Marshall Greene Middle School (middle), rated B-. All sit in Birch Run Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12098 Elm St, Birch Run, MI compare to other homes in Birch Run 48415?

Among the 3,510 homes in Birch Run 48415, it is worth more than 24% of them ($168,778 against a typical $216,597), its price per square foot is higher than 23% of them ($120 against a typical $148), it is bigger than 41% of them (1,408 ft² against a typical 1,512 ft²), its lot is bigger than 9% of them (0.36 ac against a typical 1.6 ac) and it is newer than 19% of them (1947 against a typical 1971). Measured against all of Saginaw County, it is worth more than 52% 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 12098 Elm St, Birch Run, MI?

The 2025 property tax bill for 12098 Elm St, Birch Run, MI was $2,330. The county assessed it at $88,200.

Closest homes

More homes in Birch Run 48415

Assigned schools

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