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Single Family ResidenceResidential
$609,845$202 / 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

4650 SPRUCE ST

BAY CITY, OR 97107
3
Beds
4 / 1
Baths
3,024 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.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$610K
$555K low$665K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,613 (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.$364,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$89,790
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$274,910
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$354,080
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$688,920

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.47
81
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
30
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
100
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
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.11 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
CountyTillamook
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2004
Lot (acres)The size of the land the home sits on, from county records.0.47
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
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.Deck · 171 ft²Shed · 72 ft²Patio · 175 ft²Porch · 72 ft²

Transaction History(3)

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
Garibaldi Elementary SchoolA
Elementary · Grades PK–5 · 3.7 mi
H
Neah-Kah-Nie High SchoolD+
High · Grades 9–12 · 9.1 mi
M
Neah-Kah-Nie Middle SchoolB
Middle · Grades 6–8 · 9.2 mi

District: Neah-Kah-Nie School District 56

Neighborhood · ZIP 97107These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.294

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.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
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.1.1%
PopulationHow many people live in this area.2,307
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.115 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,609
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,525
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.109 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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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

4650 Spruce 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 91% of homes in Bay City 97107
  • Costs less per square foot than 89% of homes in Tillamook County
  • Bigger than 97% of homes in Bay City 97107
  • Has a bigger lot than 78% of homes in Bay City 97107
  • Newer than 77% of homes in Bay City 97107

What homes are worth in Bay City 97107

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

This home
$172K$837K

This home is worth more than 91% of homes in Bay City 97107.

How it measures up in Bay City 97107

The dot is this home. The mark in the middle is the typical home in Bay City 97107.

Estimated value$609,845
CheaperTypical $361,824Pricier

Pricier than 91% of homes nearby

Price per ft²$202
CheaperTypical $250Pricier

Pricier than 17% of homes nearby

Living area3,024 ft²
SmallerTypical 1,443 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.47 ac
SmallerTypical 0.23 acBigger

Bigger than 78% of homes nearby

Year built2003
OlderTypical 1980Newer

Newer than 77% of homes nearby

How 4650 Spruce St ranks against every home in each area.
MeasureThis homeBay City 97107Tillamook County
Estimated valuepricier than$609,84591% of homes64% of homes
Price per ft²pricier than$20217% of homes11% of homes
Living areabigger than3,024 ft²97% of homes94% of homes
Lot sizebigger than0.47 ac78% of homes73% of homes
Year builtnewer than200377% of homes76% of homes

About 4650 Spruce St

How much is 4650 Spruce St, Bay City, OR worth?

The TopHap Estimate for 4650 Spruce St, Bay City, OR is $609,845 as of Sep 24, 2026. The likely range is $554,531 to $665,159. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 4650 Spruce St, Bay City, OR?

4650 Spruce St, Bay City, OR has 3 bedrooms, 4 bathrooms, 3,024 square feet of living space and a 0.47-acre lot.

When was 4650 Spruce St, Bay City, OR built?

4650 Spruce St, Bay City, OR was built in 2003, making it 23 years old. The building has 2 stories.

What schools serve 4650 Spruce St, Bay City, OR?

4650 Spruce St, Bay City, OR is assigned to Garibaldi Elementary School (elementary), rated A; Neah-Kah-Nie High School (high), rated D+; Neah-Kah-Nie Middle School (middle), rated B. All sit in Neah-Kah-Nie School District 56. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4650 Spruce St, Bay City, OR compare to other homes in Bay City 97107?

Among the 877 homes in Bay City 97107, it is worth more than 91% of them ($609,845 against a typical $361,824), its price per square foot is higher than 17% of them ($202 against a typical $250), it is bigger than 97% of them (3,024 ft² against a typical 1,443 ft²), its lot is bigger than 78% of them (0.47 ac against a typical 0.23 ac) and it is newer than 77% of them (2003 against a typical 1980). Measured against all of Tillamook County, it is worth more than 64% 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 4650 Spruce St, Bay City, OR?

The 2025 property tax bill for 4650 Spruce St, Bay City, OR was $4,613. The county assessed it at $364,700.

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