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CondominiumResidential
$358,386$263 / 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 83How 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 $284,900 on Jun 2, 2025

838 WHISPERING PINES LN

BAY CITY, MI 48708
2
Baths
1,364 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.
1,474 ft²
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$358K
$299K low$418K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$284,900 · Jun 2, 2025
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.$203,486
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$162,789
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.45%
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.$154,900
JOLT CREDIT UNION · recorded Jun 2, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,564 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$133,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$129,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$266,000

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.34
34
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
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.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyBAY
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

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
Hampton Elementary SchoolB
Elementary · Grades KG–5 · 0.8 mi
H
Bay City Central High SchoolB-
High · Grades 9–12 · 1.5 mi
M
Handy Middle SchoolC-
Middle · Grades 6–8 · 3.5 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.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

838 Whispering Pines Ln 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 97% of homes in Bay City 48708
  • Among the highest price per square foot in Bay City 48708
  • Among the smallest lots in Bay City 48708
  • Among the newest homes in Bay City 48708

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
$45K$376K

This home is worth more than 97% 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$358,386
CheaperTypical $114,145Pricier

Pricier than 97% of homes nearby

Price per ft²$263
CheaperTypical $89Pricier

Pricier than almost all homes nearby

Living area1,364 ft²
SmallerTypical 1,311 ft²Bigger

Bigger than 55% of homes nearby

Lot size1,474 ft²
SmallerTypical 0.16 acBigger

Smaller than almost all homes nearby

Year built2015
OlderTypical 1925Newer

Newer than almost all homes nearby

How 838 Whispering Pines Ln ranks against every home in each area.
MeasureThis homeBay City 48708Bay County
Estimated valuepricier than$358,38697% of homes93% of homes
Price per ft²pricier than$263almost all homesalmost all homes
Living areabigger than1,364 ft²55% of homes48% of homes
Lot sizebigger than1,474 ft²almost no homesalmost no homes
Year builtnewer than2015almost all homes98% of homes

About 838 Whispering Pines Ln

How much is 838 Whispering Pines Ln, Bay City, MI worth?

The TopHap Estimate for 838 Whispering Pines Ln, Bay City, MI is $358,386 as of Jul 14, 2026. The likely range is $298,604 to $418,168. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 838 Whispering Pines Ln, Bay City, MI last sell?

838 Whispering Pines Ln, Bay City, MI last sold on Jun 2, 2025 for $284,900, according to the county's recorded deed.

How big is 838 Whispering Pines Ln, Bay City, MI?

838 Whispering Pines Ln, Bay City, MI has 2 bathrooms and 1,364 square feet of living space.

When was 838 Whispering Pines Ln, Bay City, MI built?

838 Whispering Pines Ln, Bay City, MI was built in 2015, making it 11 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 838 Whispering Pines Ln, Bay City, MI?

838 Whispering Pines Ln, Bay City, MI is assigned to Hampton Elementary School (elementary), rated B; 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 838 Whispering Pines Ln, Bay City, MI compare to other homes in Bay City 48708?

Among the 10,070 homes in Bay City 48708, it is worth more than 97% of them ($358,386 against a typical $114,145), its price per square foot is higher than almost all of them ($263 against a typical $89), it is bigger than 55% of them (1,364 ft² against a typical 1,311 ft²), its lot is bigger than almost none of them (1,474 ft² against a typical 0.16 ac) and it is newer than almost all of them (2015 against a typical 1925). Measured against all of Bay County, it is worth more than 93% 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 838 Whispering Pines Ln, Bay City, MI?

The 2026 property tax bill for 838 Whispering Pines Ln, Bay City, MI was $4,564. The county assessed it at $133,000.

Closest homes

More homes in Bay City 48708

Assigned schools

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