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Residential - Vacant LandResidential

SPENCER RD

SAGINAW, MI 48609
0
Baths
9.8 ac
Lot SizeThe size of the land the home sits on, from county records.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,147 (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.$82,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$164,000

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.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
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.
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.Residential - Vacant Land
CountySAGINAW
Lot (acres)The size of the land the home sits on, from county records.9.80
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.Yes

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

H
St Charles Community Middlehigh SchoolC
High · Grades 7–12 · 4.0 mi
E
St Charles Elementary SchoolB-
Elementary · Grades PK–6 · 4.0 mi

District: St. Charles Community Schools

Neighborhood · ZIP 48609These 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.66
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.11,901
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.254 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,668
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,758
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%

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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

Spencer 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.

  • Has a bigger lot than 95% of homes in Saginaw 48609

How it measures up in Saginaw 48609

The dot is this home. The mark in the middle is the typical home in Saginaw 48609.

Lot size9.8 ac
SmallerTypical 0.52 acBigger

Bigger than 95% of homes nearby

How Spencer Rd ranks against every home in each area.
MeasureThis homeSaginaw 48609Saginaw County
Lot sizebigger than9.8 ac95% of homes95% of homes

About Spencer Rd

When did Spencer Rd, Saginaw, MI last sell?

Spencer Rd, Saginaw, MI last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve Spencer Rd, Saginaw, MI?

Spencer Rd, Saginaw, MI is assigned to St Charles Community Middlehigh School (high), rated C; St Charles Elementary School (elementary), rated B-. All sit in St. Charles Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

What are the property taxes on Spencer Rd, Saginaw, MI?

The 2025 property tax bill for Spencer Rd, Saginaw, MI was $1,147. The county assessed it at $82,000.

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