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Single Family ResidenceResidential
$235,419$131 / 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 94How 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 $234,000 on Jul 10, 2026

434 N RIVER RD

SAGINAW, MI 48609
1
Baths
1,800 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$235K
$220K low$251K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$234,000 · Jul 10, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,948 (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.$100,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$93,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$201,800

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.44
82
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
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.
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.74 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.0.23
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 64 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.

Foreclosure Filings(1)

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 · 0.8 mi
H
Swan Valley High SchoolB-
High · Grades 9–12 · 1.5 mi
M
Swan Valley Middle SchoolA-
Middle · Grades 6–8 · 1.7 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

434 N 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 70% of homes in Saginaw County
  • Bigger than 76% of homes in Saginaw County
  • Has a smaller lot than 92% 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 63% 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$235,419
CheaperTypical $206,817Pricier

Pricier than 63% of homes nearby

Price per ft²$131
CheaperTypical $137Pricier

Pricier than 43% of homes nearby

Living area1,800 ft²
SmallerTypical 1,567 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.23 ac
SmallerTypical 0.52 acBigger

Bigger than 8% of homes nearby

How 434 N River Rd ranks against every home in each area.
MeasureThis homeSaginaw 48609Saginaw County
Estimated valuepricier than$235,41963% of homes70% of homes
Price per ft²pricier than$13143% of homes57% of homes
Living areabigger than1,800 ft²67% of homes76% of homes
Lot sizebigger than0.23 ac8% of homes32% of homes

About 434 N River Rd

How much is 434 N River Rd, Saginaw, MI worth?

The TopHap Estimate for 434 N River Rd, Saginaw, MI is $235,419 as of Oct 21, 2026. The likely range is $220,129 to $250,709. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 434 N River Rd, Saginaw, MI last sell?

434 N River Rd, Saginaw, MI last sold on Jul 10, 2026 for $234,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 434 N River Rd, Saginaw, MI?

434 N River Rd, Saginaw, MI has 1 bathrooms, 1,800 square feet of living space and a 0.23-acre lot.

What schools serve 434 N River Rd, Saginaw, MI?

434 N 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 434 N River Rd, Saginaw, MI compare to other homes in Saginaw 48609?

Among the 4,809 homes in Saginaw 48609, it is worth more than 63% of them ($235,419 against a typical $206,817), its price per square foot is higher than 43% of them ($131 against a typical $137), it is bigger than 67% of them (1,800 ft² against a typical 1,567 ft²) and its lot is bigger than 8% of them (0.23 ac against a typical 0.52 ac). Measured against all of Saginaw County, it is worth more than 70% 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 434 N River Rd, Saginaw, MI?

The 2025 property tax bill for 434 N River Rd, Saginaw, MI was $2,948. The county assessed it at $100,900.

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Assigned schools

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