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Single Family ResidenceResidential
$69,971$81 / 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 87How 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 $48,000 on Jun 17, 2022

631 W HOSMER ST

SAINT CHARLES, MI 48655
2
Beds
1
Baths
864 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.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$70K
$61K low$79K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$48,000 · Jun 17, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,860 (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.$37,500 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$35,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$75,000

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.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
58
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.
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
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.0.12
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.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.DeckPatio · 196 ft²Porch · 156 ft²

Transaction History(2)

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
St Charles Elementary SchoolA-
Elementary · Grades PK–6 · 0.6 mi
H
St Charles Community Middlehigh SchoolB-
High · Grades 7–12 · 0.7 mi

District: St. Charles Community Schools

Neighborhood · ZIP 48655These 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.89
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 100.13

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.6,368
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.65 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,129
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,762
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

631 W Hosmer 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 96% of homes in Saint Charles 48655
  • Costs less per square foot than 88% of homes in Saint Charles 48655
  • Smaller than 95% of homes in Saint Charles 48655
  • Has a smaller lot than 98% of homes in Saint Charles 48655
  • Older than 92% of homes in Saint Charles 48655

What homes are worth in Saint Charles 48655

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

This home
$56K$517K

This home is worth more than 4% of homes in Saint Charles 48655.

How it measures up in Saint Charles 48655

The dot is this home. The mark in the middle is the typical home in Saint Charles 48655.

Estimated value$69,971
CheaperTypical $198,171Pricier

Pricier than 4% of homes nearby

Price per ft²$81
CheaperTypical $136Pricier

Pricier than 12% of homes nearby

Living area864 ft²
SmallerTypical 1,458 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.12 ac
SmallerTypical 1.69 acBigger

Bigger than 2% of homes nearby

Year built1910
OlderTypical 1971Newer

Newer than 8% of homes nearby

How 631 W Hosmer St ranks against every home in each area.
MeasureThis homeSaint Charles 48655Saginaw County
Estimated valuepricier than$69,9714% of homes18% of homes
Price per ft²pricier than$8112% of homes26% of homes
Living areabigger than864 ft²5% of homes7% of homes
Lot sizebigger than0.12 ac2% of homes7% of homes
Year builtnewer than19108% of homes10% of homes

About 631 W Hosmer St

How much is 631 W Hosmer St, Saint Charles, MI worth?

The TopHap Estimate for 631 W Hosmer St, Saint Charles, MI is $69,971 as of Sep 24, 2026. The likely range is $61,008 to $78,934. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 631 W Hosmer St, Saint Charles, MI last sell?

631 W Hosmer St, Saint Charles, MI last sold on Jun 17, 2022 for $48,000, according to the county's recorded deed.

How big is 631 W Hosmer St, Saint Charles, MI?

631 W Hosmer St, Saint Charles, MI has 2 bedrooms, 1 bathrooms, 864 square feet of living space and a 0.12-acre lot.

When was 631 W Hosmer St, Saint Charles, MI built?

631 W Hosmer St, Saint Charles, MI was built in 1910, making it 116 years old. The building has 1 story.

What schools serve 631 W Hosmer St, Saint Charles, MI?

631 W Hosmer St, Saint Charles, MI is assigned to St Charles Elementary School (elementary), rated A-; St Charles Community Middlehigh School (high), rated B-. All sit in St. Charles Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 631 W Hosmer St, Saint Charles, MI compare to other homes in Saint Charles 48655?

Among the 2,601 homes in Saint Charles 48655, it is worth more than 4% of them ($69,971 against a typical $198,171), its price per square foot is higher than 12% of them ($81 against a typical $136), it is bigger than 5% of them (864 ft² against a typical 1,458 ft²), its lot is bigger than 2% of them (0.12 ac against a typical 1.69 ac) and it is newer than 8% of them (1910 against a typical 1971). Measured against all of Saginaw County, it is worth more than 18% 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 631 W Hosmer St, Saint Charles, MI?

The 2025 property tax bill for 631 W Hosmer St, Saint Charles, MI was $1,860. The county assessed it at $37,500.

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