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Single Family ResidenceResidential
$173,174$160 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $100,000 on Apr 22, 2024

476 SPRUCE RIDGE RD

BAY CITY, MI 48706
2
Beds
1
Baths
1,079 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.
0.27 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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$173K
$164K low$182K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,000 · Apr 22, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$107,174
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$85,739
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.40%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$66,000
HURON COMMUNITY BANK · 5.38% 1 · recorded Jun 30, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,917 (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.$82,350 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$80,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$164,700

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.36
45
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.
61
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.8 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.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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyBAY
Lot (acres)The size of the land the home sits on, from county records.0.27
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(9)

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
Bangor Central SchoolC-
Elementary · Grades PK–5 · 1.2 mi
M
Christa Mcauliffe Middle SchoolC
Middle · Grades 6–8 · 3.3 mi
H
John Glenn High SchoolB+
High · Grades 9–12 · 3.4 mi

District: Bangor Township Schools

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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

476 Spruce Ridge 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.

  • Costs more per square foot than 81% of homes in Bay County
  • Smaller than 79% of homes in Bay County
  • 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
$53K$507K

This home is worth more than 50% 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$173,174
CheaperTypical $174,011Pricier

Pricier than 50% of homes nearby

Price per ft²$160
CheaperTypical $127Pricier

Pricier than 78% of homes nearby

Living area1,079 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 22% of homes nearby

Lot size0.27 ac
SmallerTypical 0.3 acBigger

Bigger than 45% of homes nearby

Year built1939
OlderTypical 1958Newer

Newer than 26% of homes nearby

How 476 Spruce Ridge Rd ranks against every home in each area.
MeasureThis homeBay City 48706Bay County
Estimated valuepricier than$173,17450% of homes55% of homes
Price per ft²pricier than$16078% of homes81% of homes
Living areabigger than1,079 ft²22% of homes21% of homes
Lot sizebigger than0.27 ac45% of homes41% of homes
Year builtnewer than193926% of homes31% of homes

About 476 Spruce Ridge Rd

How much is 476 Spruce Ridge Rd, Bay City, MI worth?

The TopHap Estimate for 476 Spruce Ridge Rd, Bay City, MI is $173,174 as of Jul 14, 2026. The likely range is $163,886 to $182,462. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 476 Spruce Ridge Rd, Bay City, MI last sell?

476 Spruce Ridge Rd, Bay City, MI last sold on Apr 22, 2024 for $100,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 476 Spruce Ridge Rd, Bay City, MI?

476 Spruce Ridge Rd, Bay City, MI has 2 bedrooms, 1 bathrooms, 1,079 square feet of living space and a 0.27-acre lot.

When was 476 Spruce Ridge Rd, Bay City, MI built?

476 Spruce Ridge Rd, Bay City, MI was built in 1939, making it 87 years old. It is a ranch home.

What schools serve 476 Spruce Ridge Rd, Bay City, MI?

476 Spruce Ridge Rd, Bay City, MI is assigned to Bangor Central School (elementary), rated C-; Christa Mcauliffe Middle School (middle), rated C; John Glenn High School (high), rated B+. All sit in Bangor Township Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 476 Spruce Ridge Rd, 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 50% of them ($173,174 against a typical $174,011), its price per square foot is higher than 78% of them ($160 against a typical $127), it is bigger than 22% of them (1,079 ft² against a typical 1,392 ft²), its lot is bigger than 45% of them (0.27 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 55% 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 476 Spruce Ridge Rd, Bay City, MI?

The 2026 property tax bill for 476 Spruce Ridge Rd, Bay City, MI was $1,917. The county assessed it at $82,350.

Closest homes

More homes in Bay City 48706

Assigned schools

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