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Single Family ResidenceResidential
$175,638$104 / 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 97How 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

145 SPRUCE ST

HEMLOCK, MI 48626
1
Baths
1,690 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.
0.54 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.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$176K
$170K low$182K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,181 (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.$78,800 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$74,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$157,600

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.27
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.
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.0.54
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

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

M
Hemlock Middle SchoolB+
Middle · Grades 5–8 · 0.3 mi
H
Hemlock High SchoolA-
High · Grades 9–12 · 0.4 mi
E
Kc Ling Elementary SchoolB+
Elementary · Grades 1–4 · 0.5 mi

District: Hemlock Public School District

Neighborhood · ZIP 48626These 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.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
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.94%
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.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.5,800
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.89 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,011
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,000
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

145 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 80% of homes in Hemlock 48626
  • Costs less per square foot than 95% of homes in Hemlock 48626
  • Bigger than 69% of homes in Saginaw County
  • Has a smaller lot than 76% of homes in Hemlock 48626
  • Older than 87% of homes in Hemlock 48626

What homes are worth in Hemlock 48626

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

This home
$108K$533K

This home is worth more than 20% of homes in Hemlock 48626.

How it measures up in Hemlock 48626

The dot is this home. The mark in the middle is the typical home in Hemlock 48626.

Estimated value$175,638
CheaperTypical $253,602Pricier

Pricier than 20% of homes nearby

Price per ft²$104
CheaperTypical $157Pricier

Pricier than 5% of homes nearby

Living area1,690 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.54 ac
SmallerTypical 1.62 acBigger

Bigger than 24% of homes nearby

Year built1920
OlderTypical 1972Newer

Newer than 13% of homes nearby

How 145 Spruce St ranks against every home in each area.
MeasureThis homeHemlock 48626Saginaw County
Estimated valuepricier than$175,63820% of homes51% of homes
Price per ft²pricier than$1045% of homes37% of homes
Living areabigger than1,690 ft²55% of homes69% of homes
Lot sizebigger than0.54 ac24% of homes66% of homes
Year builtnewer than192013% of homes14% of homes

About 145 Spruce St

How much is 145 Spruce St, Hemlock, MI worth?

The TopHap Estimate for 145 Spruce St, Hemlock, MI is $175,638 as of Sep 24, 2026. The likely range is $169,516 to $181,760. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 145 Spruce St, Hemlock, MI last sell?

145 Spruce St, Hemlock, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 145 Spruce St, Hemlock, MI?

145 Spruce St, Hemlock, MI has 1 bathrooms, 1,690 square feet of living space and a 0.54-acre lot.

When was 145 Spruce St, Hemlock, MI built?

145 Spruce St, Hemlock, MI was built in 1920, making it 106 years old. The building has 2 stories.

What schools serve 145 Spruce St, Hemlock, MI?

145 Spruce St, Hemlock, MI is assigned to Hemlock Middle School (middle), rated B+; Hemlock High School (high), rated A-; Kc Ling Elementary School (elementary), rated B+. All sit in Hemlock Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 145 Spruce St, Hemlock, MI compare to other homes in Hemlock 48626?

Among the 2,411 homes in Hemlock 48626, it is worth more than 20% of them ($175,638 against a typical $253,602), its price per square foot is higher than 5% of them ($104 against a typical $157), it is bigger than 55% of them (1,690 ft² against a typical 1,624 ft²), its lot is bigger than 24% of them (0.54 ac against a typical 1.62 ac) and it is newer than 13% of them (1920 against a typical 1972). Measured against all of Saginaw County, it is worth more than 51% 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 145 Spruce St, Hemlock, MI?

The 2025 property tax bill for 145 Spruce St, Hemlock, MI was $3,181. The county assessed it at $78,800.

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