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Single Family ResidenceResidential
$599,000$446 / 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 Sep 24, 2026
Last sold for $351,500 on Aug 12, 2016

20857 SAINT STEPHENS AVE

MIDDLETOWN, CA 95461
3
Beds
2
Baths
1,344 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.
0.95 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$599K
$550K low$648K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$351,500 · Aug 12, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,852 (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.$407,706 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$92,843
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$314,863
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$399,713

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.53
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
89
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
43
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
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.44 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.1 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
CountyLAKE
Lot (acres)The size of the land the home sits on, from county records.0.95
ConstructionThe main material the home's frame and walls are built from.Steel Frame
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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
Minnie Cannon Elementary SchoolC
Elementary · Grades KG–6 · 0.5 mi
H
Middletown High SchoolA
High · Grades 9–12 · 0.6 mi
M
Middletown Middle SchoolC+
Middle · Grades 6–8 · 0.6 mi

District: Middletown Unified School District

Neighborhood · ZIP 95461These 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.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.311

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.83%
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.9.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.4,624
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.34 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$98,428
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,345
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.78%

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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

20857 Saint Stephens Ave 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 93% of homes in Lake County
  • Costs more per square foot than 98% of homes in Lake County
  • Has a bigger lot than 76% of homes in Lake County
  • Newer than 77% of homes in Lake County

What homes are worth in Middletown 95461

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

This home
$113K$1M

This home is worth more than 88% of homes in Middletown 95461.

How it measures up in Middletown 95461

The dot is this home. The mark in the middle is the typical home in Middletown 95461.

Estimated value$599,000
CheaperTypical $306,763Pricier

Pricier than 88% of homes nearby

Price per ft²$446
CheaperTypical $242Pricier

Pricier than 94% of homes nearby

Living area1,344 ft²
SmallerTypical 1,225 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.95 ac
SmallerTypical 0.84 acBigger

Bigger than 54% of homes nearby

Year built1998
OlderTypical 1979Newer

Newer than 65% of homes nearby

How 20857 Saint Stephens Ave ranks against every home in each area.
MeasureThis homeMiddletown 95461Lake County
Estimated valuepricier than$599,00088% of homes93% of homes
Price per ft²pricier than$44694% of homes98% of homes
Living areabigger than1,344 ft²57% of homes49% of homes
Lot sizebigger than0.95 ac54% of homes76% of homes
Year builtnewer than199865% of homes77% of homes

About 20857 Saint Stephens Ave

How much is 20857 Saint Stephens Ave, Middletown, CA worth?

The TopHap Estimate for 20857 Saint Stephens Ave, Middletown, CA is $599,000 as of Sep 24, 2026. The likely range is $549,777 to $648,223. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20857 Saint Stephens Ave, Middletown, CA last sell?

20857 Saint Stephens Ave, Middletown, CA last sold on Aug 12, 2016 for $351,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20857 Saint Stephens Ave, Middletown, CA?

20857 Saint Stephens Ave, Middletown, CA has 3 bedrooms, 2 bathrooms, 1,344 square feet of living space and a 0.95-acre lot.

When was 20857 Saint Stephens Ave, Middletown, CA built?

20857 Saint Stephens Ave, Middletown, CA was built in 1998, making it 28 years old.

What schools serve 20857 Saint Stephens Ave, Middletown, CA?

20857 Saint Stephens Ave, Middletown, CA is assigned to Minnie Cannon Elementary School (elementary), rated C; Middletown High School (high), rated A; Middletown Middle School (middle), rated C+. All sit in Middletown Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20857 Saint Stephens Ave, Middletown, CA compare to other homes in Middletown 95461?

Among the 1,615 homes in Middletown 95461, it is worth more than 88% of them ($599,000 against a typical $306,763), its price per square foot is higher than 94% of them ($446 against a typical $242), it is bigger than 57% of them (1,344 ft² against a typical 1,225 ft²), its lot is bigger than 54% of them (0.95 ac against a typical 0.84 ac) and it is newer than 65% of them (1998 against a typical 1979). Measured against all of Lake County, it is worth more than 93% 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 20857 Saint Stephens Ave, Middletown, CA?

The 2025 property tax bill for 20857 Saint Stephens Ave, Middletown, CA was $2,852. The county assessed it at $407,706.

More homes on Saint Stephens Ave

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