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Single Family ResidenceResidential
$107,969$104 / 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 Sep 24, 2026
Last sold for $62,961 on Mar 14, 2023

406 W THOMAS ST

BAY CITY, MI 48706
2
Beds
1
Baths
1,037 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1939
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$108K
$99K low$117K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$62,961 · Mar 14, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,517 (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.$51,750 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$47,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$103,500

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.27
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
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.
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.0.20
HeatingThe type of heating system in the home.Floor/Wall Furnace
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.Patio · 800 ft²Porch · 124 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
Kolb Elementary SchoolC+
Elementary · Grades KG–5 · 0.4 mi
M
Handy Middle SchoolC-
Middle · Grades 6–8 · 0.6 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.9 mi

District: Bay City School District

Neighborhood · ZIP 48706These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.39,140
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.528 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,363
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,404
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

406 W Thomas 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 81% of homes in Bay City 48706
  • Costs less per square foot than 74% of homes in Bay City 48706
  • Smaller than 83% of homes in Bay City 48706
  • Has a smaller lot than 72% of homes in Bay City 48706
  • Older than 74% of homes in Bay City 48706

What homes are worth in Bay City 48706

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

This home
$57K$509K

This home is worth more than 19% of homes in Bay City 48706.

How it measures up in Bay City 48706

The dot is this home. The mark in the middle is the typical home in Bay City 48706.

Estimated value$107,969
CheaperTypical $187,807Pricier

Pricier than 19% of homes nearby

Price per ft²$104
CheaperTypical $136Pricier

Pricier than 26% of homes nearby

Living area1,037 ft²
SmallerTypical 1,389 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.2 ac
SmallerTypical 0.3 acBigger

Bigger than 28% of homes nearby

Year built1939
OlderTypical 1958Newer

Newer than 26% of homes nearby

How 406 W Thomas St ranks against every home in each area.
MeasureThis homeBay City 48706Bay County
Estimated valuepricier than$107,96919% of homes22% of homes
Price per ft²pricier than$10426% of homes32% of homes
Living areabigger than1,037 ft²17% of homes17% of homes
Lot sizebigger than0.2 ac28% of homes29% of homes
Year builtnewer than193926% of homes31% of homes

About 406 W Thomas St

How much is 406 W Thomas St, Bay City, MI worth?

The TopHap Estimate for 406 W Thomas St, Bay City, MI is $107,969 as of Sep 24, 2026. The likely range is $98,761 to $117,177. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 W Thomas St, Bay City, MI last sell?

406 W Thomas St, Bay City, MI last sold on Mar 14, 2023 for $62,961, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 406 W Thomas St, Bay City, MI?

406 W Thomas St, Bay City, MI has 2 bedrooms, 1 bathrooms, 1,037 square feet of living space and a 0.20-acre lot.

When was 406 W Thomas St, Bay City, MI built?

406 W Thomas St, Bay City, MI was built in 1939, making it 87 years old. The building has 1 story.

What schools serve 406 W Thomas St, Bay City, MI?

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

How does 406 W Thomas St, Bay City, MI compare to other homes in Bay City 48706?

Among the 15,668 homes in Bay City 48706, it is worth more than 19% of them ($107,969 against a typical $187,807), its price per square foot is higher than 26% of them ($104 against a typical $136), it is bigger than 17% of them (1,037 ft² against a typical 1,389 ft²), its lot is bigger than 28% of them (0.2 ac against a typical 0.3 ac) and it is newer than 26% of them (1939 against a typical 1958). Measured against all of Bay County, it is worth more than 22% 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 406 W Thomas St, Bay City, MI?

The 2026 property tax bill for 406 W Thomas St, Bay City, MI was $1,517. The county assessed it at $51,750.

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