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Single Family ResidenceResidential
$23,237$44 / 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 88How 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 $8,000 on Jul 22, 1994

3104 RAY ST

SAGINAW, MI 48601
1
Beds
1
Baths
528 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1937
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
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

$23K
$20K low$26K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$8,000 · Jul 22, 1994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$760 (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.$13,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$27,800

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.29
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
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.0.14
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Space
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.Porch · 68 ft²

Transaction History(1)

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
Bridgeportspaulding Middle SchoolschrahC
Middle · Grades 6–8 · 2.0 mi
E
Thomas White School
Elementary · Grades PK–1 · 2.1 mi
H
Bridgeport High SchoolD-
High · Grades 9–12 · 3.9 mi

District: Bridgeport-Spaulding Community School District

Neighborhood · ZIP 48601These 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.95
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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.32,177
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.309 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$41,503
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$54,326
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

3104 Ray 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 Saginaw County
  • Costs less per square foot than 90% of homes in Saginaw County
  • Among the smallest homes in Saginaw County
  • Has a smaller lot than 90% of homes in Saginaw County
  • Older than 78% of homes in Saginaw County

What homes are worth in Saginaw 48601

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

This home
$20K$271K

This home is worth more than 4% of homes in Saginaw 48601.

How it measures up in Saginaw 48601

The dot is this home. The mark in the middle is the typical home in Saginaw 48601.

Estimated value$23,237
CheaperTypical $61,389Pricier

Pricier than 4% of homes nearby

Price per ft²$44
CheaperTypical $56Pricier

Pricier than 37% of homes nearby

Living area528 ft²
SmallerTypical 1,104 ft²Bigger

Smaller than almost all homes nearby

Lot size0.14 ac
SmallerTypical 0.21 acBigger

Bigger than 17% of homes nearby

Year built1937
OlderTypical 1955Newer

Newer than 28% of homes nearby

How 3104 Ray St ranks against every home in each area.
MeasureThis homeSaginaw 48601Saginaw County
Estimated valuepricier than$23,2374% of homesalmost no homes
Price per ft²pricier than$4437% of homes10% of homes
Living areabigger than528 ft²almost no homesalmost no homes
Lot sizebigger than0.14 ac17% of homes10% of homes
Year builtnewer than193728% of homes22% of homes

About 3104 Ray St

How much is 3104 Ray St, Saginaw, MI worth?

The TopHap Estimate for 3104 Ray St, Saginaw, MI is $23,237 as of Aug 30, 2026. The likely range is $20,455 to $26,019. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3104 Ray St, Saginaw, MI last sell?

3104 Ray St, Saginaw, MI last sold on Jul 22, 1994 for $8,000, according to the county's recorded deed.

How big is 3104 Ray St, Saginaw, MI?

3104 Ray St, Saginaw, MI has 1 bedrooms, 1 bathrooms, 528 square feet of living space and a 0.14-acre lot.

When was 3104 Ray St, Saginaw, MI built?

3104 Ray St, Saginaw, MI was built in 1937, making it 89 years old. It is a raised ranch home. The building has 1 story.

What schools serve 3104 Ray St, Saginaw, MI?

3104 Ray St, Saginaw, MI is assigned to Bridgeportspaulding Middle Schoolschrah (middle), rated C; Thomas White School (elementary); Bridgeport High School (high), rated D-. All sit in Bridgeport-Spaulding Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3104 Ray St, Saginaw, MI compare to other homes in Saginaw 48601?

Among the 14,058 homes in Saginaw 48601, it is worth more than 4% of them ($23,237 against a typical $61,389), its price per square foot is higher than 37% of them ($44 against a typical $56), it is bigger than almost none of them (528 ft² against a typical 1,104 ft²), its lot is bigger than 17% of them (0.14 ac against a typical 0.21 ac) and it is newer than 28% of them (1937 against a typical 1955). Measured against all of Saginaw 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 3104 Ray St, Saginaw, MI?

The 2025 property tax bill for 3104 Ray St, Saginaw, MI was $760. The county assessed it at $13,900.

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