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Single Family ResidenceResidential
$98,042
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 95How 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

1903 S WATER ST

BAY CITY, MI 48708
0
Baths
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$98K
$94K low$102K high
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.$98,042
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$78,434

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.33
35
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.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
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.1 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.1 percent flood zone

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
CountyBAY
Lot (acres)The size of the land the home sits on, from county records.0.28
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

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

E
Macgregor Elementary SchoolC+
Elementary · Grades KG–5 · 0.6 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.7 mi
M
Handy Middle SchoolC-
Middle · Grades 6–8 · 2.4 mi

District: Bay City School District

Neighborhood · ZIP 48708These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.25,875
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.880 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,724
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,076
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.31 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.Absentee owner
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

1903 S Water 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 Bay County
  • Has a bigger lot than 90% of homes in South End

What homes are worth in Bay City 48708

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

This home
$45K$376K

This home is worth more than 37% of homes in Bay City 48708.

How it measures up in Bay City 48708

The dot is this home. The mark in the middle is the typical home in Bay City 48708.

Estimated value$98,042
CheaperTypical $114,145Pricier

Pricier than 37% of homes nearby

Lot size0.28 ac
SmallerTypical 0.16 acBigger

Bigger than 77% of homes nearby

How 1903 S Water St ranks against every home in each area.
MeasureThis homeSouth EndBay City 48708Bay County
Estimated valuepricier than$98,04243% of homes37% of homes20% of homes
Lot sizebigger than0.28 ac90% of homes77% of homes43% of homes

About 1903 S Water St

How much is 1903 S Water St, Bay City, MI worth?

The TopHap Estimate for 1903 S Water St, Bay City, MI is $98,042 as of Jul 14, 2026. The likely range is $93,614 to $102,470. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1903 S Water St, Bay City, MI last sell?

1903 S Water St, Bay City, MI last sold on Nov 15, 2001, according to the county's recorded deed.

What schools serve 1903 S Water St, Bay City, MI?

1903 S Water St, Bay City, MI is assigned to Macgregor Elementary School (elementary), rated C+; Bay City Central High School (high), rated B-; Handy Middle School (middle), rated C-. All sit in Bay City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1903 S Water St, Bay City, MI compare to other homes in Bay City 48708?

Among the 10,070 homes in Bay City 48708, it is worth more than 37% of them ($98,042 against a typical $114,145) and its lot is bigger than 77% of them (0.28 ac against a typical 0.16 ac). Measured against all of Bay County, it is worth more than 20% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Bay City 48708

Assigned schools

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