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Single Family ResidentialResidential
$186,832$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 94How 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
Last sold for $105,000 on Mar 21, 2022

20435 W RIDGE RD

ELSIE, MI 48831
1
Baths
1,792 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.
30 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$187K
$177K low$197K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$105,000 · Mar 21, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,430 (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.$133,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$118,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$266,800

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.32
29
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.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
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.5 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 Residential
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.30.00
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

M
Ovidelsie Middle SchoolA-
Middle · Grades 6–8 · 6.9 mi
H
Ovidelsie High SchoolB+
High · Grades 9–12 · 7.0 mi
E
Leonard Elementary School
Elementary · Grades KG–2 · 8.7 mi

District: Ovid-Elsie Area Schools

Neighborhood · ZIP 48831These 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.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.3,570
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.50 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,805
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,483
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

20435 W Ridge Rd 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.

  • Costs less per square foot than 75% of homes in Elsie 48831
  • Bigger than 76% of homes in Elsie 48831
  • Has a bigger lot than 98% of homes in Saginaw County
  • Older than 98% of homes in Saginaw County

What homes are worth in Elsie 48831

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

This home
$63K$518K

This home is worth more than 49% of homes in Elsie 48831.

How it measures up in Elsie 48831

The dot is this home. The mark in the middle is the typical home in Elsie 48831.

Estimated value$186,832
CheaperTypical $189,398Pricier

Pricier than 49% of homes nearby

Price per ft²$104
CheaperTypical $135Pricier

Pricier than 25% of homes nearby

Living area1,792 ft²
SmallerTypical 1,460 ft²Bigger

Bigger than 76% of homes nearby

Lot size30 ac
SmallerTypical 1.44 acBigger

Bigger than 88% of homes nearby

Year built1880
OlderTypical 1948Newer

Newer than 4% of homes nearby

How 20435 W Ridge Rd ranks against every home in each area.
MeasureThis homeElsie 48831Saginaw County
Estimated valuepricier than$186,83249% of homes55% of homes
Price per ft²pricier than$10425% of homes37% of homes
Living areabigger than1,792 ft²76% of homes75% of homes
Lot sizebigger than30 ac88% of homes98% of homes
Year builtnewer than18804% of homes2% of homes

About 20435 W Ridge Rd

How much is 20435 W Ridge Rd, Elsie, MI worth?

The TopHap Estimate for 20435 W Ridge Rd, Elsie, MI is $186,832 as of Aug 30, 2026. The likely range is $176,554 to $197,110. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20435 W Ridge Rd, Elsie, MI last sell?

20435 W Ridge Rd, Elsie, MI last sold on Mar 21, 2022 for $105,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20435 W Ridge Rd, Elsie, MI?

20435 W Ridge Rd, Elsie, MI has 1 bathrooms, 1,792 square feet of living space and a 30.00-acre lot.

When was 20435 W Ridge Rd, Elsie, MI built?

20435 W Ridge Rd, Elsie, MI was built in 1880, making it 146 years old. The building has 2 stories.

What schools serve 20435 W Ridge Rd, Elsie, MI?

20435 W Ridge Rd, Elsie, MI is assigned to Ovidelsie Middle School (middle), rated A-; Ovidelsie High School (high), rated B+; Leonard Elementary School (elementary). All sit in Ovid-Elsie Area Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20435 W Ridge Rd, Elsie, MI compare to other homes in Elsie 48831?

Among the 1,380 homes in Elsie 48831, it is worth more than 49% of them ($186,832 against a typical $189,398), its price per square foot is higher than 25% of them ($104 against a typical $135), it is bigger than 76% of them (1,792 ft² against a typical 1,460 ft²), its lot is bigger than 88% of them (30 ac against a typical 1.44 ac) and it is newer than 4% of them (1880 against a typical 1948). Measured against all of Saginaw County, it is worth more than 55% 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 20435 W Ridge Rd, Elsie, MI?

The 2025 property tax bill for 20435 W Ridge Rd, Elsie, MI was $3,430. The county assessed it at $133,400.

More homes on W Ridge Rd

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