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Single Family ResidenceResidential
$901,985$501 / 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

638 SPEAR ST

SAUGATUCK, MI 49453
4
Beds
3.5
Baths
1,800 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.
0.68 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$902K
$781K low$1M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,676 (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.$457,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$115,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$342,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$459,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$915,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.138 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%

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
CountyALLEGAN
Lot (acres)The size of the land the home sits on, from county records.0.68
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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(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.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Saugatuck Middle SchoolA
Middle · Grades 6–8 · 0.1 mi
H
Saugatuck High SchoolA
High · Grades 9–12 · 0.2 mi
E
Douglas Elementary SchoolA+
Elementary · Grades PK–5 · 1.4 mi

District: Saugatuck Public Schools

Neighborhood · ZIP 49453These 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.161
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
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.67%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.2,654
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.223 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,101
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,518
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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

638 Spear 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 95% of homes in Allegan County
  • Costs more per square foot than 95% of homes in Allegan County
  • Bigger than 70% of homes in Allegan County
  • Newer than 93% of homes in Saugatuck 49453

What homes are worth in Saugatuck 49453

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

This home
$104K$2.5M

This home is worth more than 71% of homes in Saugatuck 49453.

How it measures up in Saugatuck 49453

The dot is this home. The mark in the middle is the typical home in Saugatuck 49453.

Estimated value$901,985
CheaperTypical $680,792Pricier

Pricier than 71% of homes nearby

Price per ft²$501
CheaperTypical $443Pricier

Pricier than 63% of homes nearby

Living area1,800 ft²
SmallerTypical 1,716 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.68 ac
SmallerTypical 0.51 acBigger

Bigger than 61% of homes nearby

Year built2017
OlderTypical 1993Newer

Newer than 93% of homes nearby

How 638 Spear St ranks against every home in each area.
MeasureThis homeSaugatuck 49453Allegan County
Estimated valuepricier than$901,98571% of homes95% of homes
Price per ft²pricier than$50163% of homes95% of homes
Living areabigger than1,800 ft²55% of homes70% of homes
Lot sizebigger than0.68 ac61% of homes42% of homes
Year builtnewer than201793% of homes93% of homes

About 638 Spear St

How much is 638 Spear St, Saugatuck, MI worth?

The TopHap Estimate for 638 Spear St, Saugatuck, MI is $901,985 as of Sep 24, 2026. The likely range is $780,859 to $1,023,111. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 638 Spear St, Saugatuck, MI last sell?

638 Spear St, Saugatuck, MI last sold on Dec 3, 1999, according to the county's recorded deed.

How big is 638 Spear St, Saugatuck, MI?

638 Spear St, Saugatuck, MI has 4 bedrooms, 3.5 bathrooms, 1,800 square feet of living space and a 0.68-acre lot.

When was 638 Spear St, Saugatuck, MI built?

638 Spear St, Saugatuck, MI was built in 2017, making it 9 years old. The building has 2 stories.

What schools serve 638 Spear St, Saugatuck, MI?

638 Spear St, Saugatuck, MI is assigned to Saugatuck Middle School (middle), rated A; Saugatuck High School (high), rated A; Douglas Elementary School (elementary), rated A+. All sit in Saugatuck Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 638 Spear St, Saugatuck, MI compare to other homes in Saugatuck 49453?

Among the 2,229 homes in Saugatuck 49453, it is worth more than 71% of them ($901,985 against a typical $680,792), its price per square foot is higher than 63% of them ($501 against a typical $443), it is bigger than 55% of them (1,800 ft² against a typical 1,716 ft²), its lot is bigger than 61% of them (0.68 ac against a typical 0.51 ac) and it is newer than 93% of them (2017 against a typical 1993). Measured against all of Allegan County, it is worth more than 95% 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 638 Spear St, Saugatuck, MI?

The 2025 property tax bill for 638 Spear St, Saugatuck, MI was $7,676. The county assessed it at $457,500.

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