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Single Family ResidenceResidential
$61,889$63 / 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 86How 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 $400,000 on Mar 22, 2016

3109 RUCKLE ST

SAGINAW, MI 48601
1
Baths
988 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
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.

Valuation

$62K
$53K low$70K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$400,000 · Mar 22, 2016
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$61,889
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$49,511

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$967 (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.$23,400 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$22,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$46,800

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.38
43
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.
68
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.10 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.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.0.29
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.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 · 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
Jessie Loomis SchoolC
Elementary · Grades PK–5 · 0.6 mi
M
Saginaw Arts and Sciences AcademyA
Middle · Grades 6–12 · 3.5 mi

District: Saginaw City 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

3109 Ruckle 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.

  • Worth more than 95% of homes in Fairground
  • Among the highest price per square foot in Fairground
  • Smaller than 84% of homes in Saginaw County
  • Has a bigger lot than 92% of homes in Fairground
  • Newer than 96% of homes in Fairground

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
$19K$244K

This home is worth more than 51% 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$61,889
CheaperTypical $60,320Pricier

Pricier than 51% of homes nearby

Price per ft²$63
CheaperTypical $54Pricier

Pricier than 56% of homes nearby

Living area988 ft²
SmallerTypical 1,105 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.29 ac
SmallerTypical 0.21 acBigger

Bigger than 70% of homes nearby

Year built1973
OlderTypical 1955Newer

Newer than 94% of homes nearby

How 3109 Ruckle St ranks against every home in each area.
MeasureThis homeFairgroundSaginaw 48601Saginaw County
Estimated valuepricier than$61,88995% of homes51% of homes16% of homes
Price per ft²pricier than$63almost all homes56% of homes20% of homes
Living areabigger than988 ft²51% of homes34% of homes16% of homes
Lot sizebigger than0.29 ac92% of homes70% of homes46% of homes
Year builtnewer than197396% of homes94% of homes71% of homes

About 3109 Ruckle St

How much is 3109 Ruckle St, Saginaw, MI worth?

The TopHap Estimate for 3109 Ruckle St, Saginaw, MI is $61,889 as of Jul 14, 2026. The likely range is $53,325 to $70,453. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3109 Ruckle St, Saginaw, MI last sell?

3109 Ruckle St, Saginaw, MI last sold on Mar 22, 2016 for $400,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3109 Ruckle St, Saginaw, MI?

3109 Ruckle St, Saginaw, MI has 1 bathrooms, 988 square feet of living space and a 0.29-acre lot.

When was 3109 Ruckle St, Saginaw, MI built?

3109 Ruckle St, Saginaw, MI was built in 1973, making it 53 years old. It is a raised ranch home. The building has 1 story.

What schools serve 3109 Ruckle St, Saginaw, MI?

3109 Ruckle St, Saginaw, MI is assigned to Jessie Loomis School (elementary), rated C; Saginaw Arts and Sciences Academy (middle), rated A. All sit in Saginaw City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3109 Ruckle St, Saginaw, MI compare to other homes in Saginaw 48601?

Among the 14,069 homes in Saginaw 48601, it is worth more than 51% of them ($61,889 against a typical $60,320), its price per square foot is higher than 56% of them ($63 against a typical $54), it is bigger than 34% of them (988 ft² against a typical 1,105 ft²), its lot is bigger than 70% of them (0.29 ac against a typical 0.21 ac) and it is newer than 94% of them (1973 against a typical 1955). Measured against all of Saginaw County, it is worth more than 16% 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 3109 Ruckle St, Saginaw, MI?

The 2025 property tax bill for 3109 Ruckle St, Saginaw, MI was $967. The county assessed it at $23,400.

Closest homes

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Assigned schools

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