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Single Family ResidenceResidential
$182,052$107 / 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 $160,000 on Feb 21, 2025

521 N SAGINAW ST

OWOSSO, MI 48867
3
Beds
2
Baths
1,708 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.

Valuation

$182K
$166K low$198K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$160,000 · Feb 21, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,815 (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.$74,900 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$70,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$149,800

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.24
1
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.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
56
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Custom Design
CountySHIAWASSEE
Lot (acres)The size of the land the home sits on, from county records.0.14
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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
Emerson SchoolC
Elementary · Grades KG–5 · 0.2 mi
M
Owosso Middle SchoolD
Middle · Grades 6–8 · 0.3 mi
H
Owosso High SchoolC
High · Grades 9–12 · 0.9 mi

District: Owosso Public Schools

Neighborhood · ZIP 48867These 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.106
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 100.18

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.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.28,291
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.204 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,142
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,363
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%

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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

521 N 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.

  • Costs less per square foot than 73% of homes in Shiawassee County
  • Bigger than 79% of homes in Owosso 48867
  • Has a smaller lot than 94% of homes in Shiawassee County

What homes are worth in Owosso 48867

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

This home
$64K$494K

This home is worth more than 55% of homes in Owosso 48867.

How it measures up in Owosso 48867

The dot is this home. The mark in the middle is the typical home in Owosso 48867.

Estimated value$182,052
CheaperTypical $172,142Pricier

Pricier than 55% of homes nearby

Price per ft²$107
CheaperTypical $124Pricier

Pricier than 34% of homes nearby

Living area1,708 ft²
SmallerTypical 1,296 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.14 ac
SmallerTypical 0.34 acBigger

Bigger than 10% of homes nearby

Year built1945
OlderTypical 1945Newer

Newer than 54% of homes nearby

How 521 N Saginaw St ranks against every home in each area.
MeasureThis homeOwosso 48867Shiawassee County
Estimated valuepricier than$182,05255% of homes50% of homes
Price per ft²pricier than$10734% of homes27% of homes
Living areabigger than1,708 ft²79% of homes73% of homes
Lot sizebigger than0.14 ac10% of homes6% of homes
Year builtnewer than194554% of homes39% of homes

About 521 N Saginaw St

How much is 521 N Saginaw St, Owosso, MI worth?

The TopHap Estimate for 521 N Saginaw St, Owosso, MI is $182,052 as of Sep 24, 2026. The likely range is $166,185 to $197,919. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 N Saginaw St, Owosso, MI last sell?

521 N Saginaw St, Owosso, MI last sold on Feb 21, 2025 for $160,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 521 N Saginaw St, Owosso, MI?

521 N Saginaw St, Owosso, MI has 3 bedrooms, 2 bathrooms, 1,708 square feet of living space and a 0.14-acre lot.

When was 521 N Saginaw St, Owosso, MI built?

521 N Saginaw St, Owosso, MI was built in 1945, making it 81 years old. It is a custom design home.

What schools serve 521 N Saginaw St, Owosso, MI?

521 N Saginaw St, Owosso, MI is assigned to Emerson School (elementary), rated C; Owosso Middle School (middle), rated D; Owosso High School (high), rated C. All sit in Owosso Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 521 N Saginaw St, Owosso, MI compare to other homes in Owosso 48867?

Among the 9,865 homes in Owosso 48867, it is worth more than 55% of them ($182,052 against a typical $172,142), its price per square foot is higher than 34% of them ($107 against a typical $124), it is bigger than 79% of them (1,708 ft² against a typical 1,296 ft²), its lot is bigger than 10% of them (0.14 ac against a typical 0.34 ac) and it is newer than 54% of them (1945 against a typical 1945). Measured against all of Shiawassee County, it is worth more than 50% 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 521 N Saginaw St, Owosso, MI?

The 2025 property tax bill for 521 N Saginaw St, Owosso, MI was $2,815. The county assessed it at $74,900.

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