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Single Family ResidenceResidential
$514,530$442 / 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

1320 MERCED ST

RICHMOND, CA 94804
2
Beds
1
Baths
1,164 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$515K
$478K low$551K high
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.$447,314
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$357,851
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.12%
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.$67,216
BANK OF AMERICA · recorded Aug 16, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,867 (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.$214,279 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$119,260
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$95,019
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$210,078

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.19
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
16
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.

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
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyCONTRA COSTA
Lot (acres)The size of the land the home sits on, from county records.0.12
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Floor/Wall Furnace
FireplaceWhether the home has a fireplace, and what kind.Yes
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(3)

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
Stege Elementary SchoolD-
Elementary · Grades KG–6 · 0.4 mi
M
Fred T. Korematsu Middle SchoolC+
Middle · Grades 7–8 · 0.9 mi
H
El Cerrito High SchoolB+
High · Grades 9–12 · 1.5 mi

District: West Contra Costa Unified School District

Neighborhood · ZIP 94804These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.561

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.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.44,926
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,044 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,581
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,956
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.22 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

1320 Merced St 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 less than 82% of homes in Contra Costa County
  • Smaller than 82% of homes in Contra Costa County
  • Has a smaller lot than 72% of homes in Contra Costa County
  • Older than 91% of homes in Contra Costa County

What homes are worth in Richmond 94804

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

This home
$336K$1.1M

This home is worth more than 41% of homes in Richmond 94804.

How it measures up in Richmond 94804

The dot is this home. The mark in the middle is the typical home in Richmond 94804.

Estimated value$514,530
CheaperTypical $543,111Pricier

Pricier than 41% of homes nearby

Price per ft²$442
CheaperTypical $480Pricier

Pricier than 37% of homes nearby

Living area1,164 ft²
SmallerTypical 1,193 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.11 ac
SmallerTypical 0.1 acBigger

Bigger than 55% of homes nearby

Year built1946
OlderTypical 1951Newer

Newer than 41% of homes nearby

How 1320 Merced St ranks against every home in each area.
MeasureThis homePanhandle AnnexRichmond 94804Contra Costa County
Estimated valuepricier than$514,53036% of homes41% of homes18% of homes
Price per ft²pricier than$44239% of homes37% of homes45% of homes
Living areabigger than1,164 ft²48% of homes48% of homes18% of homes
Lot sizebigger than0.11 ac31% of homes55% of homes28% of homes
Year builtnewer than194653% of homes41% of homes9% of homes

About 1320 Merced St

How much is 1320 Merced St, Richmond, CA worth?

The TopHap Estimate for 1320 Merced St, Richmond, CA is $514,530 as of Jul 14, 2026. The likely range is $477,727 to $551,333. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1320 Merced St, Richmond, CA last sell?

1320 Merced St, Richmond, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1320 Merced St, Richmond, CA?

1320 Merced St, Richmond, CA has 2 bedrooms, 1 bathrooms, 1,164 square feet of living space and a 0.12-acre lot.

When was 1320 Merced St, Richmond, CA built?

1320 Merced St, Richmond, CA was built in 1946, making it 80 years old. It is a bungalow home. The building has 1 story.

What schools serve 1320 Merced St, Richmond, CA?

1320 Merced St, Richmond, CA is assigned to Stege Elementary School (elementary), rated D-; Fred T. Korematsu Middle School (middle), rated C+; El Cerrito High School (high), rated B+. All sit in West Contra Costa Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1320 Merced St, Richmond, CA compare to other homes in Richmond 94804?

Among the 11,870 homes in Richmond 94804, it is worth more than 41% of them ($514,530 against a typical $543,111), its price per square foot is higher than 37% of them ($442 against a typical $480), it is bigger than 48% of them (1,164 ft² against a typical 1,193 ft²), its lot is bigger than 55% of them (0.11 ac against a typical 0.1 ac) and it is newer than 41% of them (1946 against a typical 1951). Measured against all of Contra Costa County, it is worth more than 18% 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 1320 Merced St, Richmond, CA?

The 2025 property tax bill for 1320 Merced St, Richmond, CA was $3,867. The county assessed it at $214,279.

Closest homes

More homes in Richmond 94804

Assigned schools

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