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Single Family ResidenceResidential
$479,685$213 / 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 97How 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 $185,000 on Sep 26, 2012

1221 RIVER ROCK CT

MODESTO, CA 95351
4
Beds
3
Baths
2,251 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$480K
$466K low$494K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$185,000 · Sep 26, 2012
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.$141,685
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$113,348
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.62%
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.$280,000
BROKER SOLUTIONS INC · recorded Apr 1, 2020
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.$58,000
ALLIANT CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,762 (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.$227,802 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$49,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$178,552
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$227,802

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.50
90
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
56
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
49
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
11
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
45
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.120 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
CountyStanislaus
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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.Patio · 176 ft²

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
Virginia Parks Elementary SchoolB
Elementary · Grades KG–6 · 0.3 mi
M
Mae Hensley Junior HighC
Middle · Grades 7–8 · 0.6 mi
H
Ceres High SchoolB-
High · Grades 9–12 · 1.3 mi

District: Ceres Unified School District

Neighborhood · ZIP 95351These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.159

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.7.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.1%
PopulationHow many people live in this area.52,180
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,963 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,315
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,592
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.13 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.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

1221 River Rock Ct 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 88% of homes in Modesto 95351
  • Costs less per square foot than 96% of homes in Modesto 95351
  • Bigger than 95% of homes in Modesto 95351
  • Has a bigger lot than 77% of homes in Modesto 95351
  • Newer than 90% of homes in Modesto 95351

What homes are worth in Modesto 95351

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

This home
$199K$637K

This home is worth more than 88% of homes in Modesto 95351.

How it measures up in Modesto 95351

The dot is this home. The mark in the middle is the typical home in Modesto 95351.

Estimated value$479,685
CheaperTypical $361,322Pricier

Pricier than 88% of homes nearby

Price per ft²$213
CheaperTypical $289Pricier

Pricier than 4% of homes nearby

Living area2,251 ft²
SmallerTypical 1,212 ft²Bigger

Bigger than 95% of homes nearby

Lot size0.2 ac
SmallerTypical 0.15 acBigger

Bigger than 77% of homes nearby

Year built1993
OlderTypical 1971Newer

Newer than 90% of homes nearby

How 1221 River Rock Ct ranks against every home in each area.
MeasureThis homeModesto 95351Stanislaus County
Estimated valuepricier than$479,68588% of homes59% of homes
Price per ft²pricier than$2134% of homes6% of homes
Living areabigger than2,251 ft²95% of homes82% of homes
Lot sizebigger than0.2 ac77% of homes75% of homes
Year builtnewer than199390% of homes69% of homes

About 1221 River Rock Ct

How much is 1221 River Rock Ct, Modesto, CA worth?

The TopHap Estimate for 1221 River Rock Ct, Modesto, CA is $479,685 as of Jul 14, 2026. The likely range is $465,716 to $493,654. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1221 River Rock Ct, Modesto, CA last sell?

1221 River Rock Ct, Modesto, CA last sold on Sep 26, 2012 for $185,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 1221 River Rock Ct, Modesto, CA?

1221 River Rock Ct, Modesto, CA has 4 bedrooms, 3 bathrooms, 2,251 square feet of living space and a 0.20-acre lot.

When was 1221 River Rock Ct, Modesto, CA built?

1221 River Rock Ct, Modesto, CA was built in 1993, making it 33 years old. The building has 2 stories.

What schools serve 1221 River Rock Ct, Modesto, CA?

1221 River Rock Ct, Modesto, CA is assigned to Virginia Parks Elementary School (elementary), rated B; Mae Hensley Junior High (middle), rated C; Ceres High School (high), rated B-. All sit in Ceres Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1221 River Rock Ct, Modesto, CA compare to other homes in Modesto 95351?

Among the 10,185 homes in Modesto 95351, it is worth more than 88% of them ($479,685 against a typical $361,322), its price per square foot is higher than 4% of them ($213 against a typical $289), it is bigger than 95% of them (2,251 ft² against a typical 1,212 ft²), its lot is bigger than 77% of them (0.2 ac against a typical 0.15 ac) and it is newer than 90% of them (1993 against a typical 1971). Measured against all of Stanislaus County, it is worth more than 59% 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 1221 River Rock Ct, Modesto, CA?

The 2025 property tax bill for 1221 River Rock Ct, Modesto, CA was $2,762. The county assessed it at $227,802.

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Assigned schools

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