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Single Family ResidenceResidential
$409,492$215 / 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 88How 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 $385,000 on Apr 4, 2025

12837 WHISPER RIDGE DR

FREELAND, MI 48623
3
Beds
2.5
Baths
1,907 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.
0.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$409K
$359K low$460K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Apr 4, 2025
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.$141,992
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$113,594
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.65%
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.$267,500
ISABELLA BANK · 5.5% 1 · recorded Apr 4, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,558 (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.$178,800 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$174,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$357,600

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.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
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.0.60
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.DeckPatio · 478 ft²Porch · 94 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 · 2.5 mi
M
Freeland Middle Schoolhigh SchoolA
Middle · Grades 6–12 · 2.9 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.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

12837 Whisper Ridge Dr 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 95% of homes in Saginaw County
  • Costs more per square foot than 96% of homes in Saginaw County
  • Bigger than 80% of homes in Saginaw County
  • Has a bigger lot than 68% of homes in Saginaw County
  • Newer than 90% 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
$102K$655K

This home is worth more than 82% 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$409,492
CheaperTypical $279,557Pricier

Pricier than 82% of homes nearby

Price per ft²$215
CheaperTypical $165Pricier

Pricier than 87% of homes nearby

Living area1,907 ft²
SmallerTypical 1,694 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.6 ac
SmallerTypical 0.71 acBigger

Bigger than 46% of homes nearby

Year built1998
OlderTypical 1991Newer

Newer than 65% of homes nearby

How 12837 Whisper Ridge Dr ranks against every home in each area.
MeasureThis homeFreeland 48623Saginaw County
Estimated valuepricier than$409,49282% of homes95% of homes
Price per ft²pricier than$21587% of homes96% of homes
Living areabigger than1,907 ft²64% of homes80% of homes
Lot sizebigger than0.6 ac46% of homes68% of homes
Year builtnewer than199865% of homes90% of homes

About 12837 Whisper Ridge Dr

How much is 12837 Whisper Ridge Dr, Freeland, MI worth?

The TopHap Estimate for 12837 Whisper Ridge Dr, Freeland, MI is $409,492 as of Jul 14, 2026. The likely range is $359,211 to $459,773. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12837 Whisper Ridge Dr, Freeland, MI last sell?

12837 Whisper Ridge Dr, Freeland, MI last sold on Apr 4, 2025 for $385,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 12837 Whisper Ridge Dr, Freeland, MI?

12837 Whisper Ridge Dr, Freeland, MI has 3 bedrooms, 2.5 bathrooms, 1,907 square feet of living space and a 0.60-acre lot.

When was 12837 Whisper Ridge Dr, Freeland, MI built?

12837 Whisper Ridge Dr, Freeland, MI was built in 1998, making it 28 years old. The building has 2 stories.

What schools serve 12837 Whisper Ridge Dr, Freeland, MI?

12837 Whisper Ridge Dr, 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 12837 Whisper Ridge Dr, Freeland, MI compare to other homes in Freeland 48623?

Among the 5,120 homes in Freeland 48623, it is worth more than 82% of them ($409,492 against a typical $279,557), its price per square foot is higher than 87% of them ($215 against a typical $165), it is bigger than 64% of them (1,907 ft² against a typical 1,694 ft²), its lot is bigger than 46% of them (0.6 ac against a typical 0.71 ac) and it is newer than 65% of them (1998 against a typical 1991). Measured against all of Saginaw County, it is worth more than 95% 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 12837 Whisper Ridge Dr, Freeland, MI?

The 2025 property tax bill for 12837 Whisper Ridge Dr, Freeland, MI was $1,558. The county assessed it at $178,800.

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Assigned schools

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