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Single Family ResidenceResidential
$86,939$68 / 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 90How 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 $75,000 on Sep 26, 2023

3122 N WATER ST

BAY CITY, MI 48708
2
Beds
2
Baths
1,274 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$87K
$78K low$96K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · Sep 26, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,815 (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.$44,600 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$89,200

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.33
36
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.7 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
CountyBAY
Lot (acres)The size of the land the home sits on, from county records.0.25
HeatingThe type of heating system in the home.Baseboard
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Washington Elementary SchoolB
Elementary · Grades KG–5 · 1.1 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.6 mi
M
Handy Middle SchoolC-
Middle · Grades 6–8 · 2.5 mi

District: Bay City School District

Neighborhood · ZIP 48708These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
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.25,875
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.880 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,724
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,076
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

3122 N Water 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 less than 86% of homes in Bay County
  • Costs less per square foot than 88% of homes in Bay County
  • Has a bigger lot than 81% of homes in Johnson Street
  • Older than 97% of homes in Bay County

What homes are worth in Bay City 48708

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

This home
$47K$384K

This home is worth more than 27% of homes in Bay City 48708.

How it measures up in Bay City 48708

The dot is this home. The mark in the middle is the typical home in Bay City 48708.

Estimated value$86,939
CheaperTypical $114,549Pricier

Pricier than 27% of homes nearby

Price per ft²$68
CheaperTypical $90Pricier

Pricier than 27% of homes nearby

Living area1,274 ft²
SmallerTypical 1,312 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.25 ac
SmallerTypical 0.16 acBigger

Bigger than 75% of homes nearby

Year built1880
OlderTypical 1925Newer

Newer than 6% of homes nearby

How 3122 N Water St ranks against every home in each area.
MeasureThis homeJohnson StreetBay City 48708Bay County
Estimated valuepricier than$86,93931% of homes27% of homes14% of homes
Price per ft²pricier than$6834% of homes27% of homes12% of homes
Living areabigger than1,274 ft²47% of homes46% of homes41% of homes
Lot sizebigger than0.25 ac81% of homes75% of homes40% of homes
Year builtnewer than18809% of homes6% of homes3% of homes

About 3122 N Water St

How much is 3122 N Water St, Bay City, MI worth?

The TopHap Estimate for 3122 N Water St, Bay City, MI is $86,939 as of Jul 14, 2026. The likely range is $78,000 to $95,878. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3122 N Water St, Bay City, MI last sell?

3122 N Water St, Bay City, MI last sold on Sep 26, 2023 for $75,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3122 N Water St, Bay City, MI?

3122 N Water St, Bay City, MI has 2 bedrooms, 2 bathrooms, 1,274 square feet of living space and a 0.25-acre lot.

When was 3122 N Water St, Bay City, MI built?

3122 N Water St, Bay City, MI was built in 1880, making it 146 years old. The building has 1 story.

What schools serve 3122 N Water St, Bay City, MI?

3122 N Water St, Bay City, MI is assigned to Washington Elementary School (elementary), rated B; Bay City Central High School (high), rated B-; Handy Middle School (middle), rated C-. All sit in Bay City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3122 N Water St, Bay City, MI compare to other homes in Bay City 48708?

Among the 10,070 homes in Bay City 48708, it is worth more than 27% of them ($86,939 against a typical $114,549), its price per square foot is higher than 27% of them ($68 against a typical $90), it is bigger than 46% of them (1,274 ft² against a typical 1,312 ft²), its lot is bigger than 75% of them (0.25 ac against a typical 0.16 ac) and it is newer than 6% of them (1880 against a typical 1925). Measured against all of Bay County, it is worth more than 14% 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 3122 N Water St, Bay City, MI?

The 2026 property tax bill for 3122 N Water St, Bay City, MI was $1,815. The county assessed it at $44,600.

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