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Single Family ResidenceResidential
$396,076$171 / 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 84How 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 $19,500 on Sep 3, 1992

9978 N RIVER RD

FREELAND, MI 48623
3
Beds
2.5
Baths
2,316 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.
5.82 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.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$396K
$335K low$458K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$19,500 · Sep 3, 1992
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.$210,076
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$168,061
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.$150,000
THE HUNTINGTON NATIONAL BANK · R · recorded Jul 6, 2018
2nd 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.$36,000
UNITED FINANCIAL CREDIT UNION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,717 (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.$252,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$240,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$504,000

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.49
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

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
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.5.82
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
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 220 ft²

Transaction History(1)

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
Freeland Learning Center
Elementary · Grades PK–1 · 3.1 mi
M
Freeland Middle Schoolhigh SchoolA
Middle · Grades 6–12 · 3.3 mi

District: Freeland Community School District

Neighborhood · ZIP 48623These 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.47
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 100.16

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
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.14,881
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.218 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,466
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,995
Average tempThe average temperature here across a full year.48°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%

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

9978 N 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 more than 94% of homes in Saginaw County
  • Costs more per square foot than 87% of homes in Saginaw County
  • Bigger than 91% of homes in Saginaw County
  • Has a bigger lot than 93% of homes in Saginaw County
  • Newer than 86% of homes in Saginaw County

What homes are worth in Freeland 48623

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

This home
$102K$658K

This home is worth more than 80% of homes in Freeland 48623.

How it measures up in Freeland 48623

The dot is this home. The mark in the middle is the typical home in Freeland 48623.

Estimated value$396,076
CheaperTypical $279,726Pricier

Pricier than 80% of homes nearby

Price per ft²$171
CheaperTypical $165Pricier

Pricier than 56% of homes nearby

Living area2,316 ft²
SmallerTypical 1,689 ft²Bigger

Bigger than 83% of homes nearby

Lot size5.82 ac
SmallerTypical 0.69 acBigger

Bigger than 90% of homes nearby

Year built1994
OlderTypical 1992Newer

Newer than 55% of homes nearby

How 9978 N River Rd ranks against every home in each area.
MeasureThis homeFreeland 48623Saginaw County
Estimated valuepricier than$396,07680% of homes94% of homes
Price per ft²pricier than$17156% of homes87% of homes
Living areabigger than2,316 ft²83% of homes91% of homes
Lot sizebigger than5.82 ac90% of homes93% of homes
Year builtnewer than199455% of homes86% of homes

About 9978 N River Rd

How much is 9978 N River Rd, Freeland, MI worth?

The TopHap Estimate for 9978 N River Rd, Freeland, MI is $396,076 as of Jul 14, 2026. The likely range is $334,577 to $457,575. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 9978 N River Rd, Freeland, MI last sell?

9978 N River Rd, Freeland, MI last sold on Sep 3, 1992 for $19,500, according to the county's recorded deed.

How big is 9978 N River Rd, Freeland, MI?

9978 N River Rd, Freeland, MI has 3 bedrooms, 2.5 bathrooms, 2,316 square feet of living space and a 5.82-acre lot.

When was 9978 N River Rd, Freeland, MI built?

9978 N River Rd, Freeland, MI was built in 1994, making it 32 years old. The building has 1 story.

What schools serve 9978 N River Rd, Freeland, MI?

9978 N River Rd, Freeland, MI is assigned to Freeland Learning Center (elementary); Freeland Middle Schoolhigh School (middle), rated A. All sit in Freeland Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 9978 N River Rd, Freeland, MI compare to other homes in Freeland 48623?

Among the 5,120 homes in Freeland 48623, it is worth more than 80% of them ($396,076 against a typical $279,726), its price per square foot is higher than 56% of them ($171 against a typical $165), it is bigger than 83% of them (2,316 ft² against a typical 1,689 ft²), its lot is bigger than 90% of them (5.82 ac against a typical 0.69 ac) and it is newer than 55% of them (1994 against a typical 1992). Measured against all of Saginaw County, it is worth more than 94% 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 9978 N River Rd, Freeland, MI?

The 2025 property tax bill for 9978 N River Rd, Freeland, MI was $1,717. The county assessed it at $252,000.

Closest homes

More homes in Freeland 48623

Assigned schools

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