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Single Family ResidenceResidential
$658,166$666 / 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 92How 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

1645 MERCED ST

RICHMOND, CA 94804
2
Beds
1
Baths
988 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.
1929
Year BuiltThe year the home was originally built, according to county records.
1
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$658K
$607K low$710K 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.$353,166
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$282,533
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.48%
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.$235,000
MECHANICS BANK · recorded Jan 27, 2015
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.$70,000
CHARLES SCHWAB BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,791 (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.$352,966 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$225,446
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$127,520
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$346,046

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
CountyCONTRA COSTA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1932
Lot (acres)The size of the land the home sits on, from county records.0.12
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(5)

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
Fairmont Elementary SchoolB
Elementary · Grades KG–6 · 0.6 mi
M
Fred T. Korematsu Middle SchoolC+
Middle · Grades 7–8 · 0.8 mi
H
El Cerrito High SchoolB+
High · Grades 9–12 · 1.1 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

1645 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 more than 78% of homes in Richmond 94804
  • Costs more per square foot than 94% of homes in Richmond 94804
  • Smaller than 92% of homes in Contra Costa County
  • Has a smaller lot than 72% of homes in Contra Costa County
  • Older than 97% 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 78% 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$658,166
CheaperTypical $543,111Pricier

Pricier than 78% of homes nearby

Price per ft²$666
CheaperTypical $480Pricier

Pricier than 94% of homes nearby

Living area988 ft²
SmallerTypical 1,193 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.11 ac
SmallerTypical 0.1 acBigger

Bigger than 55% of homes nearby

Year built1929
OlderTypical 1951Newer

Newer than 9% of homes nearby

How 1645 Merced St ranks against every home in each area.
MeasureThis homeRichmond AnnexRichmond 94804Contra Costa County
Estimated valuepricier than$658,16631% of homes78% of homes38% of homes
Price per ft²pricier than$66670% of homes94% of homes78% of homes
Living areabigger than988 ft²22% of homes29% of homes8% of homes
Lot sizebigger than0.11 ac38% of homes55% of homes28% of homes
Year builtnewer than192912% of homes9% of homes3% of homes

About 1645 Merced St

How much is 1645 Merced St, Richmond, CA worth?

The TopHap Estimate for 1645 Merced St, Richmond, CA is $658,166 as of Jul 14, 2026. The likely range is $606,660 to $709,672. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1645 Merced St, Richmond, CA last sell?

1645 Merced St, Richmond, CA last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1645 Merced St, Richmond, CA?

1645 Merced St, Richmond, CA has 2 bedrooms, 1 bathrooms, 988 square feet of living space and a 0.12-acre lot.

When was 1645 Merced St, Richmond, CA built?

1645 Merced St, Richmond, CA was built in 1929, making it 97 years old. The building has 1 story.

What schools serve 1645 Merced St, Richmond, CA?

1645 Merced St, Richmond, CA is assigned to Fairmont Elementary School (elementary), rated B; 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 1645 Merced St, Richmond, CA compare to other homes in Richmond 94804?

Among the 11,870 homes in Richmond 94804, it is worth more than 78% of them ($658,166 against a typical $543,111), its price per square foot is higher than 94% of them ($666 against a typical $480), it is bigger than 29% of them (988 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 9% of them (1929 against a typical 1951). Measured against all of Contra Costa County, it is worth more than 38% 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 1645 Merced St, Richmond, CA?

The 2025 property tax bill for 1645 Merced St, Richmond, CA was $5,791. The county assessed it at $352,966.

Closest homes

More homes in Richmond 94804

Assigned schools

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