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Single Family ResidenceResidential
$151,612$74 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $78,500 on May 9, 2024

643 CLAY ST

CLIO, MI 48420
4
Beds
1
Baths
2,040 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.
1.63 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$152K
$141K low$162K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$78,500 · May 9, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,034 (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.$86,700 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$87,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$173,400

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.26
1
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.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
2
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
CountyGENESEE
Lot (acres)The size of the land the home sits on, from county records.1.63
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

Transaction History(5)

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.

M
Clio Middle SchoolC+
Middle · Grades 6–8 · 0.5 mi
H
Clio Area High SchoolB
High · Grades 8–12 · 1.0 mi

District: Clio Area School District

Neighborhood · ZIP 48420These 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.90
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

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.96%
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.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.20,617
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.316 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,000
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,192
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%

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

643 Clay 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 76% of homes in Clio 48420
  • Costs less per square foot than 97% of homes in Clio 48420
  • Bigger than 87% of homes in Clio 48420
  • Has a bigger lot than 87% of homes in Genesee County
  • Older than 70% of homes in Clio 48420

What homes are worth in Clio 48420

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

This home
$63K$415K

This home is worth more than 24% of homes in Clio 48420.

How it measures up in Clio 48420

The dot is this home. The mark in the middle is the typical home in Clio 48420.

Estimated value$151,612
CheaperTypical $199,284Pricier

Pricier than 24% of homes nearby

Price per ft²$74
CheaperTypical $140Pricier

Pricier than 3% of homes nearby

Living area2,040 ft²
SmallerTypical 1,412 ft²Bigger

Bigger than 87% of homes nearby

Lot size1.63 ac
SmallerTypical 0.89 acBigger

Bigger than 67% of homes nearby

Year built1957
OlderTypical 1970Newer

Newer than 30% of homes nearby

How 643 Clay St ranks against every home in each area.
MeasureThis homeClio 48420Genesee County
Estimated valuepricier than$151,61224% of homes42% of homes
Price per ft²pricier than$743% of homes25% of homes
Living areabigger than2,040 ft²87% of homes85% of homes
Lot sizebigger than1.63 ac67% of homes87% of homes
Year builtnewer than195730% of homes42% of homes

About 643 Clay St

How much is 643 Clay St, Clio, MI worth?

The TopHap Estimate for 643 Clay St, Clio, MI is $151,612 as of Aug 30, 2026. The likely range is $140,920 to $162,304. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 Clay St, Clio, MI last sell?

643 Clay St, Clio, MI last sold on May 9, 2024 for $78,500, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 643 Clay St, Clio, MI?

643 Clay St, Clio, MI has 4 bedrooms, 1 bathrooms, 2,040 square feet of living space and a 1.63-acre lot.

When was 643 Clay St, Clio, MI built?

643 Clay St, Clio, MI was built in 1957, making it 69 years old. The building has 1 story.

What schools serve 643 Clay St, Clio, MI?

643 Clay St, Clio, MI is assigned to Clio Middle School (middle), rated C+; Clio Area High School (high), rated B. All sit in Clio Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 Clay St, Clio, MI compare to other homes in Clio 48420?

Among the 8,151 homes in Clio 48420, it is worth more than 24% of them ($151,612 against a typical $199,284), its price per square foot is higher than 3% of them ($74 against a typical $140), it is bigger than 87% of them (2,040 ft² against a typical 1,412 ft²), its lot is bigger than 67% of them (1.63 ac against a typical 0.89 ac) and it is newer than 30% of them (1957 against a typical 1970). Measured against all of Genesee County, it is worth more than 42% 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 643 Clay St, Clio, MI?

The 2025 property tax bill for 643 Clay St, Clio, MI was $3,034. The county assessed it at $86,700.

More homes on Clay St

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