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Single Family ResidenceResidential
$232,601$94 / 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 67How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $28,900 on Jul 18, 1980

3245 S RIVER RD

SAGINAW, MI 48609
3
Beds
2
Baths
2,486 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.
1.87 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$233K
$156K low$309K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$28,900 · Jul 18, 1980

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,984 (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.$171,100 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$166,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$342,200

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.38
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
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.
65
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.3 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.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
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.1.87
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 480 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.

E
Shields Elementary SchoolB-
Elementary · Grades PK–5 · 2.2 mi
H
Swan Valley High SchoolB-
High · Grades 9–12 · 2.8 mi
M
Swan Valley Middle SchoolA-
Middle · Grades 6–8 · 3.0 mi

District: Swan Valley 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

3245 S 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 69% of homes in Saginaw County
  • Costs less per square foot than 94% of homes in Saginaw 48609
  • Bigger than 93% of homes in Saginaw County
  • Has a bigger lot than 84% of homes in Saginaw County
  • Older than 72% of homes in Saginaw 48609

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
$89K$585K

This home is worth more than 62% 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$232,601
CheaperTypical $206,817Pricier

Pricier than 62% of homes nearby

Price per ft²$94
CheaperTypical $137Pricier

Pricier than 6% of homes nearby

Living area2,486 ft²
SmallerTypical 1,567 ft²Bigger

Bigger than 90% of homes nearby

Lot size1.87 ac
SmallerTypical 0.52 acBigger

Bigger than 81% of homes nearby

Year built1960
OlderTypical 1970Newer

Newer than 28% of homes nearby

How 3245 S River Rd ranks against every home in each area.
MeasureThis homeSaginaw 48609Saginaw County
Estimated valuepricier than$232,60162% of homes69% of homes
Price per ft²pricier than$946% of homes32% of homes
Living areabigger than2,486 ft²90% of homes93% of homes
Lot sizebigger than1.87 ac81% of homes84% of homes
Year builtnewer than196028% of homes49% of homes

About 3245 S River Rd

How much is 3245 S River Rd, Saginaw, MI worth?

The TopHap Estimate for 3245 S River Rd, Saginaw, MI is $232,601 as of Oct 21, 2026. The likely range is $155,960 to $309,242. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3245 S River Rd, Saginaw, MI last sell?

3245 S River Rd, Saginaw, MI last sold on Jul 18, 1980 for $28,900, according to the county's recorded deed.

How big is 3245 S River Rd, Saginaw, MI?

3245 S River Rd, Saginaw, MI has 3 bedrooms, 2 bathrooms, 2,486 square feet of living space and a 1.87-acre lot.

When was 3245 S River Rd, Saginaw, MI built?

3245 S River Rd, Saginaw, MI was built in 1960, making it 66 years old. The building has 1 story.

What schools serve 3245 S River Rd, Saginaw, MI?

3245 S River Rd, Saginaw, MI is assigned to Shields Elementary School (elementary), rated B-; Swan Valley High School (high), rated B-; Swan Valley Middle School (middle), rated A-. All sit in Swan Valley School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3245 S River Rd, Saginaw, MI compare to other homes in Saginaw 48609?

Among the 4,809 homes in Saginaw 48609, it is worth more than 62% of them ($232,601 against a typical $206,817), its price per square foot is higher than 6% of them ($94 against a typical $137), it is bigger than 90% of them (2,486 ft² against a typical 1,567 ft²), its lot is bigger than 81% of them (1.87 ac against a typical 0.52 ac) and it is newer than 28% of them (1960 against a typical 1970). Measured against all of Saginaw County, it is worth more than 69% 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 3245 S River Rd, Saginaw, MI?

The 2025 property tax bill for 3245 S River Rd, Saginaw, MI was $3,984. The county assessed it at $171,100.

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