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Single Family ResidenceResidential
$694,187$188 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $565,000 on Jun 4, 2021

3105 N RIVER RD

SAGINAW, MI 48609
2.5
Baths
3,701 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.
2.73 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$694K
$630K low$758K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$565,000 · Jun 4, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,432 (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.$405,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$385,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$811,800

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.37
49
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.
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.30 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.0.2 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
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.2.73
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
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.DeckPatio · 375 ft²Porch · 81 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 · 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

3105 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.

  • Among the most valuable homes in Saginaw 48609
  • Costs more per square foot than 93% of homes in Saginaw 48609
  • Among the largest homes in Saginaw County
  • Has a bigger lot than 88% of homes in Saginaw County
  • Newer than 91% 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
$84K$592K

This home is worth more than almost all 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$694,187
CheaperTypical $199,369Pricier

Pricier than almost all homes nearby

Price per ft²$188
CheaperTypical $131Pricier

Pricier than 93% of homes nearby

Living area3,701 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 98% of homes nearby

Lot size2.73 ac
SmallerTypical 0.52 acBigger

Bigger than 87% of homes nearby

Year built1999
OlderTypical 1970Newer

Newer than 88% of homes nearby

How 3105 N River Rd ranks against every home in each area.
MeasureThis homeSaginaw 48609Saginaw County
Estimated valuepricier than$694,187almost all homesalmost all homes
Price per ft²pricier than$18893% of homes92% of homes
Living areabigger than3,701 ft²98% of homesalmost all homes
Lot sizebigger than2.73 ac87% of homes88% of homes
Year builtnewer than199988% of homes91% of homes

About 3105 N River Rd

How much is 3105 N River Rd, Saginaw, MI worth?

The TopHap Estimate for 3105 N River Rd, Saginaw, MI is $694,187 as of Jul 14, 2026. The likely range is $630,417 to $757,957. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3105 N River Rd, Saginaw, MI last sell?

3105 N River Rd, Saginaw, MI last sold on Jun 4, 2021 for $565,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3105 N River Rd, Saginaw, MI?

3105 N River Rd, Saginaw, MI has 2.5 bathrooms, 3,701 square feet of living space and a 2.73-acre lot.

When was 3105 N River Rd, Saginaw, MI built?

3105 N River Rd, Saginaw, MI was built in 1999, making it 27 years old. The building has 1 story.

What schools serve 3105 N River Rd, Saginaw, MI?

3105 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 3105 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 almost all of them ($694,187 against a typical $199,369), its price per square foot is higher than 93% of them ($188 against a typical $131), it is bigger than 98% of them (3,701 ft² against a typical 1,564 ft²), its lot is bigger than 87% of them (2.73 ac against a typical 0.52 ac) and it is newer than 88% of them (1999 against a typical 1970). Measured against all of Saginaw County, it is worth more than almost all 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 3105 N River Rd, Saginaw, MI?

The 2025 property tax bill for 3105 N River Rd, Saginaw, MI was $11,432. The county assessed it at $405,900.

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