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Single Family ResidenceResidential
$534,462$226 / 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 80How 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
Last sold for $244,100 on Jan 14, 1993

3 HEARTHSTONE PL

SAGINAW, MI 48609
2.5
Baths
2,360 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.
0.7 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$534K
$430K low$639K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$244,100 · Jan 14, 1993

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,961 (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.$232,500 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$209,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$465,000

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.
8
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.
62
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
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.0.70
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.Porch · 320 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 · 4.9 mi
M
Freeland Middle Schoolhigh SchoolA
Middle · Grades 6–12 · 5.2 mi

District: Freeland Community School District

Neighborhood · ZIP 48609These 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.66
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
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.1.6%
PopulationHow many people live in this area.11,901
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.254 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,668
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,758
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

3 Hearthstone Pl 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 98% of homes in Saginaw County
  • Costs more per square foot than 97% of homes in Saginaw 48609
  • Bigger than 92% of homes in Saginaw County
  • Has a bigger lot than 70% of homes in Saginaw County
  • Newer than 85% of homes in Saginaw County

What homes are worth in Saginaw 48609

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

This home
$88K$636K

This home is worth more than 96% of homes in Saginaw 48609.

How it measures up in Saginaw 48609

The dot is this home. The mark in the middle is the typical home in Saginaw 48609.

Estimated value$534,462
CheaperTypical $214,824Pricier

Pricier than 96% of homes nearby

Price per ft²$226
CheaperTypical $141Pricier

Pricier than 97% of homes nearby

Living area2,360 ft²
SmallerTypical 1,569 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.7 ac
SmallerTypical 0.52 acBigger

Bigger than 59% of homes nearby

Year built1993
OlderTypical 1970Newer

Newer than 80% of homes nearby

How 3 Hearthstone Pl ranks against every home in each area.
MeasureThis homeSaginaw 48609Saginaw County
Estimated valuepricier than$534,46296% of homes98% of homes
Price per ft²pricier than$22697% of homes96% of homes
Living areabigger than2,360 ft²87% of homes92% of homes
Lot sizebigger than0.7 ac59% of homes70% of homes
Year builtnewer than199380% of homes85% of homes

About 3 Hearthstone Pl

How much is 3 Hearthstone Pl, Saginaw, MI worth?

The TopHap Estimate for 3 Hearthstone Pl, Saginaw, MI is $534,462 as of Sep 24, 2026. The likely range is $430,084 to $638,840. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Hearthstone Pl, Saginaw, MI last sell?

3 Hearthstone Pl, Saginaw, MI last sold on Jan 14, 1993 for $244,100, according to the county's recorded deed.

How big is 3 Hearthstone Pl, Saginaw, MI?

3 Hearthstone Pl, Saginaw, MI has 2.5 bathrooms, 2,360 square feet of living space and a 0.70-acre lot.

When was 3 Hearthstone Pl, Saginaw, MI built?

3 Hearthstone Pl, Saginaw, MI was built in 1993, making it 33 years old. It is a raised ranch home. The building has 1 story.

What schools serve 3 Hearthstone Pl, Saginaw, MI?

3 Hearthstone Pl, Saginaw, 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 3 Hearthstone Pl, Saginaw, MI compare to other homes in Saginaw 48609?

Among the 4,809 homes in Saginaw 48609, it is worth more than 96% of them ($534,462 against a typical $214,824), its price per square foot is higher than 97% of them ($226 against a typical $141), it is bigger than 87% of them (2,360 ft² against a typical 1,569 ft²), its lot is bigger than 59% of them (0.7 ac against a typical 0.52 ac) and it is newer than 80% of them (1993 against a typical 1970). Measured against all of Saginaw County, it is worth more than 98% 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 3 Hearthstone Pl, Saginaw, MI?

The 2025 property tax bill for 3 Hearthstone Pl, Saginaw, MI was $6,961. The county assessed it at $232,500.

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