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Single Family ResidenceResidential
$32,400$30 / 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 81How 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 $22,000 on Aug 13, 2026

309 SPRUCE ST

BAY CITY, MI 48706
2
Beds
1
Baths
1,098 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.
3,311 ft²
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$32K
$26K low$39K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$22,000 · Aug 13, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$827 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$42,600 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,050
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$85,200

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.29
10
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.
56
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Traditional/Old
CountyBAY
Lot (acres)The size of the land the home sits on, from county records.0.08
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.Patio · 424 ft²

Transaction History(3)

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
Handy Middle SchoolC-
Middle · Grades 6–8 · 1.1 mi
E
Kolb Elementary SchoolC+
Elementary · Grades KG–5 · 1.7 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.9 mi

District: Bay City School District

Neighborhood · ZIP 48706These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

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.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.39,140
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.528 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,363
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,404
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%

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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

309 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.

  • Among the least valuable homes in Banks
  • Among the lowest price per square foot in Banks
  • Smaller than 77% of homes in Bay County
  • Among the smallest lots in Banks
  • Older than 88% of homes in Bay City 48706

What homes are worth in Bay City 48706

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

This home
$57K$509K

This home is worth less than almost all homes in Bay City 48706.

How it measures up in Bay City 48706

The dot is this home. The mark in the middle is the typical home in Bay City 48706.

Estimated value$32,400
CheaperTypical $187,807Pricier

Cheaper than almost all homes nearby

Price per ft²$30
CheaperTypical $136Pricier

Cheaper than almost all homes nearby

Living area1,098 ft²
SmallerTypical 1,389 ft²Bigger

Bigger than 24% of homes nearby

Lot size3,311 ft²
SmallerTypical 0.3 acBigger

Smaller than almost all homes nearby

Year built1900
OlderTypical 1958Newer

Newer than 12% of homes nearby

How 309 Spruce St ranks against every home in each area.
MeasureThis homeBanksBay City 48706Bay County
Estimated valuepricier than$32,400almost no homesalmost no homesalmost no homes
Price per ft²pricier than$30almost no homesalmost no homesalmost no homes
Living areabigger than1,098 ft²48% of homes24% of homes23% of homes
Lot sizebigger than3,311 ft²almost no homesalmost no homesalmost no homes
Year builtnewer than190018% of homes12% of homes14% of homes

About 309 Spruce St

How much is 309 Spruce St, Bay City, MI worth?

The TopHap Estimate for 309 Spruce St, Bay City, MI is $32,400 as of Sep 24, 2026. The likely range is $26,211 to $38,589. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 309 Spruce St, Bay City, MI last sell?

309 Spruce St, Bay City, MI last sold on Aug 13, 2026 for $22,000, according to the county's recorded deed.

How big is 309 Spruce St, Bay City, MI?

309 Spruce St, Bay City, MI has 2 bedrooms, 1 bathrooms, 1,098 square feet of living space and a 0.08-acre lot.

When was 309 Spruce St, Bay City, MI built?

309 Spruce St, Bay City, MI was built in 1900, making it 126 years old. It is a traditional/old home. The building has 1 story.

What schools serve 309 Spruce St, Bay City, MI?

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

How does 309 Spruce St, Bay City, MI compare to other homes in Bay City 48706?

Among the 15,668 homes in Bay City 48706, it is worth more than almost none of them ($32,400 against a typical $187,807), its price per square foot is higher than almost none of them ($30 against a typical $136), it is bigger than 24% of them (1,098 ft² against a typical 1,389 ft²), its lot is bigger than almost none of them (3,311 ft² against a typical 0.3 ac) and it is newer than 12% of them (1900 against a typical 1958). Measured against all of Bay County, it is worth more than almost no 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 309 Spruce St, Bay City, MI?

The 2026 property tax bill for 309 Spruce St, Bay City, MI was $827. The county assessed it at $42,600.

More homes on Spruce St

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