Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$174,947$155 / 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 Jul 14, 2026
Last sold for $59,400 on Oct 3, 1996

646 W RIVER RD

KAWKAWLIN, MI 48631
3
Beds
1.5
Baths
1,128 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 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
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

$175K
$159K low$191K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$59,400 · Oct 3, 1996
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.$31,947
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$25,558
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.85%
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.$143,000
FINANCIAL PLUS CU · recorded Sep 19, 2023

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$97,700 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$85,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$195,400

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.35
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
55
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
62
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.1.00
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Sauna

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

H
Bay City Western High SchoolB-
High · Grades 9–12 · 6.4 mi
M
Western Middle SchoolB+
Middle · Grades 6–8 · 6.4 mi
E
Auburn Elementary SchoolA-
Elementary · Grades KG–5 · 6.4 mi

District: Bay City School District

Neighborhood · ZIP 48631These 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.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

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.92%
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.6.1%
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.4,269
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.123 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,064
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,680
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

646 W River 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.

  • Worth less than 68% of homes in Kawkawlin 48631
  • Costs more per square foot than 78% of homes in Bay County
  • Smaller than 79% of homes in Kawkawlin 48631
  • Has a bigger lot than 78% of homes in Bay County
  • Newer than 86% of homes in Bay County

What homes are worth in Kawkawlin 48631

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

This home
$68K$500K

This home is worth more than 32% of homes in Kawkawlin 48631.

How it measures up in Kawkawlin 48631

The dot is this home. The mark in the middle is the typical home in Kawkawlin 48631.

Estimated value$174,947
CheaperTypical $211,548Pricier

Pricier than 32% of homes nearby

Price per ft²$155
CheaperTypical $137Pricier

Pricier than 69% of homes nearby

Living area1,128 ft²
SmallerTypical 1,549 ft²Bigger

Bigger than 21% of homes nearby

Lot size1 ac
SmallerTypical 1.03 acBigger

Bigger than 49% of homes nearby

Year built1994
OlderTypical 1975Newer

Newer than 76% of homes nearby

How 646 W River Rd ranks against every home in each area.
MeasureThis homeKawkawlin 48631Bay County
Estimated valuepricier than$174,94732% of homes56% of homes
Price per ft²pricier than$15569% of homes78% of homes
Living areabigger than1,128 ft²21% of homes26% of homes
Lot sizebigger than1 ac49% of homes78% of homes
Year builtnewer than199476% of homes86% of homes

About 646 W River Rd

How much is 646 W River Rd, Kawkawlin, MI worth?

The TopHap Estimate for 646 W River Rd, Kawkawlin, MI is $174,947 as of Jul 14, 2026. The likely range is $159,000 to $190,894. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 W River Rd, Kawkawlin, MI last sell?

646 W River Rd, Kawkawlin, MI last sold on Oct 3, 1996 for $59,400, according to the county's recorded deed.

How big is 646 W River Rd, Kawkawlin, MI?

646 W River Rd, Kawkawlin, MI has 3 bedrooms, 1.5 bathrooms, 1,128 square feet of living space and a 1.00-acre lot.

When was 646 W River Rd, Kawkawlin, MI built?

646 W River Rd, Kawkawlin, MI was built in 1994, making it 32 years old. It is a ranch home. The building has 1 story.

What schools serve 646 W River Rd, Kawkawlin, MI?

646 W River Rd, Kawkawlin, MI is assigned to Bay City Western High School (high), rated B-; Western Middle School (middle), rated B+; Auburn Elementary School (elementary), rated A-. All sit in Bay City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 W River Rd, Kawkawlin, MI compare to other homes in Kawkawlin 48631?

Among the 1,801 homes in Kawkawlin 48631, it is worth more than 32% of them ($174,947 against a typical $211,548), its price per square foot is higher than 69% of them ($155 against a typical $137), it is bigger than 21% of them (1,128 ft² against a typical 1,549 ft²), its lot is bigger than 49% of them (1 ac against a typical 1.03 ac) and it is newer than 76% of them (1994 against a typical 1975). Measured against all of Bay County, it is worth more than 56% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Kawkawlin 48631

Assigned schools

Explore the area

See this home in context

Open 646 W River Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map