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Single Family ResidenceResidential
$134,852$138 / 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 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $131,000 on Mar 20, 2026

427 JAMES ST

BAY CITY, MI 48706
2
Beds
1
Baths
976 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1942
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$135K
$119K low$151K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$131,000 · Mar 20, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,164 (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.$58,700 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$56,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$117,400

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.31
27
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.4 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.0.12
HeatingThe type of heating system in the home.Hot Water
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 · 160 ft²Porch · 83 ft²

Transaction History(6)

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.

M
Handy Middle SchoolC-
Middle · Grades 6–8 · 1.3 mi
E
Kolb Elementary SchoolC+
Elementary · Grades KG–5 · 2.0 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 2.1 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

427 James 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 79% of homes in Banks
  • Costs more per square foot than 92% of homes in Banks
  • Smaller than 87% of homes in Bay City 48706
  • Has a smaller lot than 96% of homes in Banks
  • Older than 70% 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$481K

This home is worth more than 34% 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$134,852
CheaperTypical $173,660Pricier

Pricier than 34% of homes nearby

Price per ft²$138
CheaperTypical $128Pricier

Pricier than 60% of homes nearby

Living area976 ft²
SmallerTypical 1,388 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.11 ac
SmallerTypical 0.3 acBigger

Bigger than 4% of homes nearby

Year built1942
OlderTypical 1958Newer

Newer than 30% of homes nearby

How 427 James St ranks against every home in each area.
MeasureThis homeBanksBay City 48706Bay County
Estimated valuepricier than$134,85279% of homes34% of homes37% of homes
Price per ft²pricier than$13892% of homes60% of homes64% of homes
Living areabigger than976 ft²27% of homes13% of homes13% of homes
Lot sizebigger than0.11 ac4% of homes4% of homes5% of homes
Year builtnewer than194246% of homes30% of homes35% of homes

About 427 James St

How much is 427 James St, Bay City, MI worth?

The TopHap Estimate for 427 James St, Bay City, MI is $134,852 as of Aug 30, 2026. The likely range is $118,519 to $151,185. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 427 James St, Bay City, MI last sell?

427 James St, Bay City, MI last sold on Mar 20, 2026 for $131,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 427 James St, Bay City, MI?

427 James St, Bay City, MI has 2 bedrooms, 1 bathrooms, 976 square feet of living space and a 0.12-acre lot.

When was 427 James St, Bay City, MI built?

427 James St, Bay City, MI was built in 1942, making it 84 years old. The building has 1 story.

What schools serve 427 James St, Bay City, MI?

427 James St, Bay City, MI is assigned to Handy Middle School (middle), rated C-; Kolb Elementary School (elementary), 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 427 James 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 34% of them ($134,852 against a typical $173,660), its price per square foot is higher than 60% of them ($138 against a typical $128), it is bigger than 13% of them (976 ft² against a typical 1,388 ft²), its lot is bigger than 4% of them (0.11 ac against a typical 0.3 ac) and it is newer than 30% of them (1942 against a typical 1958). Measured against all of Bay County, it is worth more than 37% 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 427 James St, Bay City, MI?

The 2026 property tax bill for 427 James St, Bay City, MI was $2,164. The county assessed it at $58,700.

More homes on James St

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Assigned schools

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