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Single Family ResidenceResidential
$160,221$107 / 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 91How 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

1245 JOSEPH ST

SAGINAW, MI 48638
2
Beds
1.5
Baths
1,504 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.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$160K
$145K low$175K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,381 (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.$95,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$98,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$190,000

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.28
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
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.
65
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.19 in
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.0.39
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.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 · 200 ft²Porch · 388 ft²

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

E
Westdale Elementary School
Elementary · Grades PK–5 · 0.4 mi
M
White Pine Middle SchoolC+
Middle · Grades 6–8 · 1.1 mi
H
Heritage High SchoolB-
High · Grades 9–12 · 3.6 mi

District: Saginaw Township Community Schools

Neighborhood · ZIP 48638These 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.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.13,290
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,959 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,507
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,826
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%

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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

1245 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 73% of homes in Saginaw 48638
  • Costs less per square foot than 74% of homes in Saginaw 48638
  • Has a bigger lot than 82% of homes in Saginaw 48638
  • Newer than 83% of homes in Saginaw 48638

What homes are worth in Saginaw 48638

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

This home
$57K$362K

This home is worth more than 27% of homes in Saginaw 48638.

How it measures up in Saginaw 48638

The dot is this home. The mark in the middle is the typical home in Saginaw 48638.

Estimated value$160,221
CheaperTypical $200,491Pricier

Pricier than 27% of homes nearby

Price per ft²$107
CheaperTypical $124Pricier

Pricier than 26% of homes nearby

Living area1,504 ft²
SmallerTypical 1,562 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.39 ac
SmallerTypical 0.29 acBigger

Bigger than 82% of homes nearby

Year built1977
OlderTypical 1964Newer

Newer than 83% of homes nearby

How 1245 Joseph St ranks against every home in each area.
MeasureThis homeSaginaw 48638Saginaw County
Estimated valuepricier than$160,22127% of homes45% of homes
Price per ft²pricier than$10726% of homes39% of homes
Living areabigger than1,504 ft²46% of homes57% of homes
Lot sizebigger than0.39 ac82% of homes58% of homes
Year builtnewer than197783% of homes76% of homes

About 1245 Joseph St

How much is 1245 Joseph St, Saginaw, MI worth?

The TopHap Estimate for 1245 Joseph St, Saginaw, MI is $160,221 as of Sep 24, 2026. The likely range is $145,303 to $175,139. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1245 Joseph St, Saginaw, MI last sell?

1245 Joseph St, Saginaw, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1245 Joseph St, Saginaw, MI?

1245 Joseph St, Saginaw, MI has 2 bedrooms, 1.5 bathrooms, 1,504 square feet of living space and a 0.39-acre lot.

When was 1245 Joseph St, Saginaw, MI built?

1245 Joseph St, Saginaw, MI was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 1245 Joseph St, Saginaw, MI?

1245 Joseph St, Saginaw, MI is assigned to Westdale Elementary School (elementary); White Pine Middle School (middle), rated C+; Heritage High School (high), rated B-. All sit in Saginaw Township Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1245 Joseph St, Saginaw, MI compare to other homes in Saginaw 48638?

Among the 4,579 homes in Saginaw 48638, it is worth more than 27% of them ($160,221 against a typical $200,491), its price per square foot is higher than 26% of them ($107 against a typical $124), it is bigger than 46% of them (1,504 ft² against a typical 1,562 ft²), its lot is bigger than 82% of them (0.39 ac against a typical 0.29 ac) and it is newer than 83% of them (1977 against a typical 1964). Measured against all of Saginaw County, it is worth more than 45% 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 1245 Joseph St, Saginaw, MI?

The 2025 property tax bill for 1245 Joseph St, Saginaw, MI was $2,381. The county assessed it at $95,000.

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