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Single Family ResidenceResidential
$47,844$42 / 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 72How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

1846 RAY ST

SAGINAW, MI 48601
1
Baths
1,144 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.
3,049 ft²
Lot SizeThe size of the land the home sits on, from county records.
1927
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$48K
$34K low$61K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$851 (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.$19,300 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$17,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$38,600

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.36
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
68
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.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.0.07
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
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.Porch · 91 ft²

Transaction History(5)

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(1)

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

E
Jessie Loomis SchoolC
Elementary · Grades PK–5 · 0.4 mi
M
Saginaw Arts and Sciences AcademyA
Middle · Grades 6–12 · 3.8 mi

District: Saginaw City School District

Neighborhood · ZIP 48601These 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.139
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 100.17

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.32,177
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.309 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$41,503
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$54,326
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

1846 Ray 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 90% of homes in Saginaw County
  • Costs less per square foot than 91% of homes in Saginaw County
  • Bigger than 71% of homes in Fairground
  • Among the smallest lots in Fairground
  • Older than 85% of homes in Fairground

What homes are worth in Saginaw 48601

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

This home
$19K$270K

This home is worth more than 37% of homes in Saginaw 48601.

How it measures up in Saginaw 48601

The dot is this home. The mark in the middle is the typical home in Saginaw 48601.

Estimated value$47,844
CheaperTypical $61,347Pricier

Pricier than 37% of homes nearby

Price per ft²$42
CheaperTypical $56Pricier

Pricier than 34% of homes nearby

Living area1,144 ft²
SmallerTypical 1,110 ft²Bigger

Bigger than 53% of homes nearby

Lot size3,049 ft²
SmallerTypical 0.21 acBigger

Smaller than almost all homes nearby

Year built1927
OlderTypical 1955Newer

Newer than 21% of homes nearby

How 1846 Ray St ranks against every home in each area.
MeasureThis homeFairgroundSaginaw 48601Saginaw County
Estimated valuepricier than$47,84461% of homes37% of homes10% of homes
Price per ft²pricier than$4234% of homes34% of homes9% of homes
Living areabigger than1,144 ft²71% of homes53% of homes29% of homes
Lot sizebigger than3,049 ft²almost no homesalmost no homes2% of homes
Year builtnewer than192715% of homes21% of homes18% of homes

About 1846 Ray St

How much is 1846 Ray St, Saginaw, MI worth?

The TopHap Estimate for 1846 Ray St, Saginaw, MI is $47,844 as of Aug 30, 2026. The likely range is $34,497 to $61,191. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1846 Ray St, Saginaw, MI last sell?

1846 Ray St, Saginaw, MI last sold on Oct 16, 2006, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 1846 Ray St, Saginaw, MI?

1846 Ray St, Saginaw, MI has 1 bathrooms, 1,144 square feet of living space and a 0.07-acre lot.

When was 1846 Ray St, Saginaw, MI built?

1846 Ray St, Saginaw, MI was built in 1927, making it 99 years old. The building has 2 stories.

What schools serve 1846 Ray St, Saginaw, MI?

1846 Ray St, Saginaw, MI is assigned to Jessie Loomis School (elementary), rated C; Saginaw Arts and Sciences Academy (middle), rated A. All sit in Saginaw City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1846 Ray St, Saginaw, MI compare to other homes in Saginaw 48601?

Among the 14,058 homes in Saginaw 48601, it is worth more than 37% of them ($47,844 against a typical $61,347), its price per square foot is higher than 34% of them ($42 against a typical $56), it is bigger than 53% of them (1,144 ft² against a typical 1,110 ft²), its lot is bigger than almost none of them (3,049 ft² against a typical 0.21 ac) and it is newer than 21% of them (1927 against a typical 1955). Measured against all of Saginaw County, it is worth more than 10% 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 1846 Ray St, Saginaw, MI?

The 2025 property tax bill for 1846 Ray St, Saginaw, MI was $851. The county assessed it at $19,300.

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