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Single Family ResidenceResidential
$73,287$80 / 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 80How 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

809 HOWARD ST

BAY CITY, MI 48708
1
Baths
912 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.

Valuation

$73K
$58K low$88K high
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.$73,287
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$58,630

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.33
34
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.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.0.13
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

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

E
Macgregor Elementary SchoolC+
Elementary · Grades KG–5 · 0.7 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.1 mi
M
Handy Middle SchoolC-
Middle · Grades 6–8 · 2.0 mi

District: Bay City School District

Neighborhood · ZIP 48708These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
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.25,875
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.880 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,724
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,076
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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

809 Howard 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 92% of homes in Bay County
  • Costs less per square foot than 81% of homes in Bay County
  • Smaller than 91% of homes in Bay County
  • Has a smaller lot than 83% of homes in Bay County
  • Newer than 98% of homes in South End

What homes are worth in Bay City 48708

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

This home
$46K$388K

This home is worth more than 15% of homes in Bay City 48708.

How it measures up in Bay City 48708

The dot is this home. The mark in the middle is the typical home in Bay City 48708.

Estimated value$73,287
CheaperTypical $113,589Pricier

Pricier than 15% of homes nearby

Price per ft²$80
CheaperTypical $89Pricier

Pricier than 42% of homes nearby

Living area912 ft²
SmallerTypical 1,310 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.13 ac
SmallerTypical 0.16 acBigger

Bigger than 39% of homes nearby

Year built1981
OlderTypical 1925Newer

Newer than 93% of homes nearby

How 809 Howard St ranks against every home in each area.
MeasureThis homeSouth EndBay City 48708Bay County
Estimated valuepricier than$73,28718% of homes15% of homes8% of homes
Price per ft²pricier than$8042% of homes42% of homes19% of homes
Living areabigger than912 ft²15% of homes11% of homes9% of homes
Lot sizebigger than0.13 ac46% of homes39% of homes17% of homes
Year builtnewer than198198% of homes93% of homes80% of homes

About 809 Howard St

How much is 809 Howard St, Bay City, MI worth?

The TopHap Estimate for 809 Howard St, Bay City, MI is $73,287 as of Jul 14, 2026. The likely range is $58,383 to $88,191. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 809 Howard St, Bay City, MI last sell?

809 Howard St, Bay City, MI last sold on Nov 15, 2001, according to the county's recorded deed.

How big is 809 Howard St, Bay City, MI?

809 Howard St, Bay City, MI has 1 bathrooms, 912 square feet of living space and a 0.13-acre lot.

When was 809 Howard St, Bay City, MI built?

809 Howard St, Bay City, MI was built in 1981, making it 45 years old. It is a ranch home.

What schools serve 809 Howard St, Bay City, MI?

809 Howard St, Bay City, MI is assigned to Macgregor Elementary School (elementary), rated C+; Bay City Central High School (high), rated B-; Handy Middle School (middle), rated C-. All sit in Bay City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 809 Howard St, Bay City, MI compare to other homes in Bay City 48708?

Among the 10,066 homes in Bay City 48708, it is worth more than 15% of them ($73,287 against a typical $113,589), its price per square foot is higher than 42% of them ($80 against a typical $89), it is bigger than 11% of them (912 ft² against a typical 1,310 ft²), its lot is bigger than 39% of them (0.13 ac against a typical 0.16 ac) and it is newer than 93% of them (1981 against a typical 1925). Measured against all of Bay County, it is worth more than 8% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

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Assigned schools

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