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Single Family ResidenceResidential
$606,100$331 / 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 93How 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 $407,000 on Dec 31, 2007

120 SPEARS CIR

RICHMOND, CA 94801
3
Beds
2.5
Baths
1,829 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.
2,600 ft²
Lot SizeThe size of the land the home sits on, from county records.
2007
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$606K
$561K low$651K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$407,000 · Dec 31, 2007
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.$208,600
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$166,880
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.66%
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.$397,500
JPMORGAN CHASE BANK NA · recorded Jul 13, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,970 (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.$545,279 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$194,263
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$351,016
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$534,588

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
44
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
19
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
44
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
36
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.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.0.2 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
CountyCONTRA COSTA
Lot (acres)The size of the land the home sits on, from county records.0.06
HeatingThe type of heating system in the home.Central
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

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

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

E
Verde Elementary SchoolD-
Elementary · Grades KG–6 · 0.5 mi
H
Richmond High SchoolD+
High · Grades 9–12 · 1.4 mi
M
Helms Middle SchoolF
Middle · Grades 7–8 · 1.8 mi

District: West Contra Costa Unified School District

Neighborhood · ZIP 94801These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.564

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.96%
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.19%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.34,858
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,957 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,136
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,543
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.78%

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.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

120 Spears Cir 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 79% of homes in Richmond 94801
  • Costs less per square foot than 84% of homes in Contra Costa County
  • Bigger than 78% of homes in Richmond 94801
  • Has a smaller lot than 86% of homes in Contra Costa County
  • Newer than 98% of homes in Richmond 94801

What homes are worth in Richmond 94801

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

This home
$211K$1.6M

This home is worth more than 79% of homes in Richmond 94801.

How it measures up in Richmond 94801

The dot is this home. The mark in the middle is the typical home in Richmond 94801.

Estimated value$606,100
CheaperTypical $477,871Pricier

Pricier than 79% of homes nearby

Price per ft²$331
CheaperTypical $402Pricier

Pricier than 24% of homes nearby

Living area1,829 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 78% of homes nearby

Lot size2,600 ft²
SmallerTypical 4,008 ft²Bigger

Bigger than 25% of homes nearby

Year built2007
OlderTypical 1948Newer

Newer than 98% of homes nearby

How 120 Spears Cir ranks against every home in each area.
MeasureThis homeNorth RichmondRichmond 94801Contra Costa County
Estimated valuepricier than$606,10077% of homes79% of homes30% of homes
Price per ft²pricier than$33137% of homes24% of homes16% of homes
Living areabigger than1,829 ft²72% of homes78% of homes54% of homes
Lot sizebigger than2,600 ft²23% of homes25% of homes14% of homes
Year builtnewer than200797% of homes98% of homes93% of homes

About 120 Spears Cir

How much is 120 Spears Cir, Richmond, CA worth?

The TopHap Estimate for 120 Spears Cir, Richmond, CA is $606,100 as of Jul 14, 2026. The likely range is $561,222 to $650,978. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Spears Cir, Richmond, CA last sell?

120 Spears Cir, Richmond, CA last sold on Dec 31, 2007 for $407,000, according to the county's recorded deed.

How big is 120 Spears Cir, Richmond, CA?

120 Spears Cir, Richmond, CA has 3 bedrooms, 2.5 bathrooms, 1,829 square feet of living space and a 0.06-acre lot.

When was 120 Spears Cir, Richmond, CA built?

120 Spears Cir, Richmond, CA was built in 2007, making it 19 years old. The building has 2 stories.

What schools serve 120 Spears Cir, Richmond, CA?

120 Spears Cir, Richmond, CA is assigned to Verde Elementary School (elementary), rated D-; Richmond High School (high), rated D+; Helms Middle School (middle), rated F. All sit in West Contra Costa Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Spears Cir, Richmond, CA compare to other homes in Richmond 94801?

Among the 7,009 homes in Richmond 94801, it is worth more than 79% of them ($606,100 against a typical $477,871), its price per square foot is higher than 24% of them ($331 against a typical $402), it is bigger than 78% of them (1,829 ft² against a typical 1,280 ft²), its lot is bigger than 25% of them (2,600 ft² against a typical 4,008 ft²) and it is newer than 98% of them (2007 against a typical 1948). Measured against all of Contra Costa County, it is worth more than 30% 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 120 Spears Cir, Richmond, CA?

The 2025 property tax bill for 120 Spears Cir, Richmond, CA was $8,970. The county assessed it at $545,279.

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