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Single Family ResidenceResidential
$159,079$154 / 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 $155,000 on May 14, 2026

440 W SAGINAW ST

MERRILL, MI 48637
1.5
Baths
1,032 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$159K
$145K low$173K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$155,000 · May 14, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,531 (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.$62,200 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$124,400

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.30
10
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.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
66
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.6%
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
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.0.22
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
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 · 84 ft²

Transaction History(5)

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
Merrill Elementary SchoolB+
Elementary · Grades PK–5 · 0.1 mi
M
Merrill Middle SchoolC-
Middle · Grades 6–8 · 0.2 mi
H
Merrill High SchoolC+
High · Grades 9–12 · 0.2 mi

District: Merrill Community Schools

Neighborhood · ZIP 48637These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

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.94%
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.9.5%
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.3,803
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.52 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,641
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,371
Average tempThe average temperature here across a full year.47°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%

Owner Tools

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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

440 W Saginaw 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 70% of homes in Merrill 48637
  • Costs more per square foot than 73% of homes in Saginaw County
  • Smaller than 89% of homes in Merrill 48637
  • Has a smaller lot than 90% of homes in Merrill 48637

What homes are worth in Merrill 48637

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

This home
$80K$527K

This home is worth more than 30% of homes in Merrill 48637.

How it measures up in Merrill 48637

The dot is this home. The mark in the middle is the typical home in Merrill 48637.

Estimated value$159,079
CheaperTypical $197,517Pricier

Pricier than 30% of homes nearby

Price per ft²$154
CheaperTypical $136Pricier

Pricier than 66% of homes nearby

Living area1,032 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.22 ac
SmallerTypical 1.58 acBigger

Bigger than 10% of homes nearby

How 440 W Saginaw St ranks against every home in each area.
MeasureThis homeMerrill 48637Saginaw County
Estimated valuepricier than$159,07930% of homes45% of homes
Price per ft²pricier than$15466% of homes73% of homes
Living areabigger than1,032 ft²11% of homes20% of homes
Lot sizebigger than0.22 ac10% of homes32% of homes

About 440 W Saginaw St

How much is 440 W Saginaw St, Merrill, MI worth?

The TopHap Estimate for 440 W Saginaw St, Merrill, MI is $159,079 as of Sep 24, 2026. The likely range is $145,185 to $172,973. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 W Saginaw St, Merrill, MI last sell?

440 W Saginaw St, Merrill, MI last sold on May 14, 2026 for $155,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 440 W Saginaw St, Merrill, MI?

440 W Saginaw St, Merrill, MI has 1.5 bathrooms, 1,032 square feet of living space and a 0.22-acre lot.

What schools serve 440 W Saginaw St, Merrill, MI?

440 W Saginaw St, Merrill, MI is assigned to Merrill Elementary School (elementary), rated B+; Merrill Middle School (middle), rated C-; Merrill High School (high), rated C+. All sit in Merrill Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 440 W Saginaw St, Merrill, MI compare to other homes in Merrill 48637?

Among the 1,404 homes in Merrill 48637, it is worth more than 30% of them ($159,079 against a typical $197,517), its price per square foot is higher than 66% of them ($154 against a typical $136), it is bigger than 11% of them (1,032 ft² against a typical 1,508 ft²) and its lot is bigger than 10% of them (0.22 ac against a typical 1.58 ac). Measured against all of Saginaw County, it is worth more than 45% 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 440 W Saginaw St, Merrill, MI?

The 2025 property tax bill for 440 W Saginaw St, Merrill, MI was $2,531. The county assessed it at $62,200.

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