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Single Family ResidenceResidential
$214,082$191 / 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 Aug 30, 2026
Last sold for $197,900 on Feb 19, 2025

3095 N RIVER RD

SAGINAW, MI 48609
2
Baths
1,120 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.
0.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
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

$214K
$173K low$255K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$197,900 · Feb 19, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,934 (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.$111,700 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,400

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.49
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.143 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
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.0.60
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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.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 · 24 ft²

Transaction History(4)

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 · 5.1 mi
M
Freeland Middle Schoolhigh SchoolA
Middle · Grades 6–12 · 5.4 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

3095 N River 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.

  • Worth more than 67% of homes in Saginaw County
  • Costs more per square foot than 94% of homes in Saginaw 48609
  • Smaller than 86% of homes in Saginaw 48609
  • Has a bigger lot than 68% of homes in Saginaw County
  • Newer than 83% 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
$81K$558K

This home is worth more than 58% 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$214,082
CheaperTypical $198,476Pricier

Pricier than 58% of homes nearby

Price per ft²$191
CheaperTypical $132Pricier

Pricier than 94% of homes nearby

Living area1,120 ft²
SmallerTypical 1,572 ft²Bigger

Bigger than 14% of homes nearby

Lot size0.6 ac
SmallerTypical 0.52 acBigger

Bigger than 55% of homes nearby

Year built1990
OlderTypical 1971Newer

Newer than 75% of homes nearby

How 3095 N River Rd ranks against every home in each area.
MeasureThis homeSaginaw 48609Saginaw County
Estimated valuepricier than$214,08258% of homes67% of homes
Price per ft²pricier than$19194% of homes93% of homes
Living areabigger than1,120 ft²14% of homes27% of homes
Lot sizebigger than0.6 ac55% of homes68% of homes
Year builtnewer than199075% of homes83% of homes

About 3095 N River Rd

How much is 3095 N River Rd, Saginaw, MI worth?

The TopHap Estimate for 3095 N River Rd, Saginaw, MI is $214,082 as of Aug 30, 2026. The likely range is $172,680 to $255,484. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3095 N River Rd, Saginaw, MI last sell?

3095 N River Rd, Saginaw, MI last sold on Feb 19, 2025 for $197,900, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3095 N River Rd, Saginaw, MI?

3095 N River Rd, Saginaw, MI has 2 bathrooms, 1,120 square feet of living space and a 0.60-acre lot.

When was 3095 N River Rd, Saginaw, MI built?

3095 N River Rd, Saginaw, MI was built in 1990, making it 36 years old. It is a raised ranch home. The building has 1 story.

What schools serve 3095 N River Rd, Saginaw, MI?

3095 N River Rd, 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 3095 N River Rd, Saginaw, MI compare to other homes in Saginaw 48609?

Among the 4,809 homes in Saginaw 48609, it is worth more than 58% of them ($214,082 against a typical $198,476), its price per square foot is higher than 94% of them ($191 against a typical $132), it is bigger than 14% of them (1,120 ft² against a typical 1,572 ft²), its lot is bigger than 55% of them (0.6 ac against a typical 0.52 ac) and it is newer than 75% of them (1990 against a typical 1971). Measured against all of Saginaw County, it is worth more than 67% 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 3095 N River Rd, Saginaw, MI?

The 2025 property tax bill for 3095 N River Rd, Saginaw, MI was $2,934. The county assessed it at $111,700.

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