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Single Family ResidenceResidential
$475,387$176 / 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 92How 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 $379,000 on Aug 2, 2019

12220 WHISPER RIDGE CIR

FREELAND, MI 48623
3.5
Baths
2,700 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
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

$475K
$437K low$514K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$379,000 · Aug 2, 2019
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.$150,667
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$120,534
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.72%
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.$324,720
FRANKENMUTH CU · recorded Dec 8, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,975 (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.$223,600 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$217,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$447,200

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.29
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
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
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.0.31
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 · 90 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.

E
Freeland Learning Center
Elementary · Grades PK–1 · 2.0 mi
M
Freeland Middle Schoolhigh SchoolA
Middle · Grades 6–12 · 2.3 mi

District: Freeland Community School District

Neighborhood · ZIP 48623These 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.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

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.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
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.14,881
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.218 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,466
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,995
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.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

12220 Whisper Ridge Cir 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 97% of homes in Saginaw County
  • Costs more per square foot than 88% of homes in Saginaw County
  • Bigger than 96% of homes in Saginaw County
  • Has a smaller lot than 80% of homes in Freeland 48623
  • Newer than 94% of homes in Saginaw County

What homes are worth in Freeland 48623

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

This home
$101K$673K

This home is worth more than 90% of homes in Freeland 48623.

How it measures up in Freeland 48623

The dot is this home. The mark in the middle is the typical home in Freeland 48623.

Estimated value$475,387
CheaperTypical $279,666Pricier

Pricier than 90% of homes nearby

Price per ft²$176
CheaperTypical $164Pricier

Pricier than 61% of homes nearby

Living area2,700 ft²
SmallerTypical 1,690 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.31 ac
SmallerTypical 0.72 acBigger

Bigger than 20% of homes nearby

Year built2003
OlderTypical 1991Newer

Newer than 78% of homes nearby

How 12220 Whisper Ridge Cir ranks against every home in each area.
MeasureThis homeFreeland 48623Saginaw County
Estimated valuepricier than$475,38790% of homes97% of homes
Price per ft²pricier than$17661% of homes88% of homes
Living areabigger than2,700 ft²91% of homes96% of homes
Lot sizebigger than0.31 ac20% of homes50% of homes
Year builtnewer than200378% of homes94% of homes

About 12220 Whisper Ridge Cir

How much is 12220 Whisper Ridge Cir, Freeland, MI worth?

The TopHap Estimate for 12220 Whisper Ridge Cir, Freeland, MI is $475,387 as of Jul 14, 2026. The likely range is $437,055 to $513,719. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12220 Whisper Ridge Cir, Freeland, MI last sell?

12220 Whisper Ridge Cir, Freeland, MI last sold on Aug 2, 2019 for $379,000, according to the county's recorded deed.

How big is 12220 Whisper Ridge Cir, Freeland, MI?

12220 Whisper Ridge Cir, Freeland, MI has 3.5 bathrooms, 2,700 square feet of living space and a 0.31-acre lot.

When was 12220 Whisper Ridge Cir, Freeland, MI built?

12220 Whisper Ridge Cir, Freeland, MI was built in 2003, making it 23 years old. The building has 1 story.

What schools serve 12220 Whisper Ridge Cir, Freeland, MI?

12220 Whisper Ridge Cir, Freeland, MI is assigned to Freeland Learning Center (elementary); Freeland Middle Schoolhigh School (middle), rated A. All sit in Freeland Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12220 Whisper Ridge Cir, Freeland, MI compare to other homes in Freeland 48623?

Among the 5,120 homes in Freeland 48623, it is worth more than 90% of them ($475,387 against a typical $279,666), its price per square foot is higher than 61% of them ($176 against a typical $164), it is bigger than 91% of them (2,700 ft² against a typical 1,690 ft²), its lot is bigger than 20% of them (0.31 ac against a typical 0.72 ac) and it is newer than 78% of them (2003 against a typical 1991). Measured against all of Saginaw County, it is worth more than 97% 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 12220 Whisper Ridge Cir, Freeland, MI?

The 2025 property tax bill for 12220 Whisper Ridge Cir, Freeland, MI was $1,975. The county assessed it at $223,600.

Closest homes

More homes in Freeland 48623

Assigned schools

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