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Single Family ResidenceResidential
$456,345$184 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $210,000 on Oct 15, 2008

3520 EFFINGHAM LN

MODESTO, CA 95357
5
Beds
3
Baths
2,483 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.
1991
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

$456K
$412K low$501K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$210,000 · Oct 15, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,898 (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.$270,413 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$64,380
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$206,033
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$265,112

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
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
45
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.
12
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.7 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.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.0.11
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.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 86 ft²

Transaction History(8)

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(2)

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

E
Bernard L. Hughes Elementary SchoolB
Elementary · Grades KG–6 · 0.2 mi
H
Peter Johansen High SchoolD
High · Grades 9–12 · 0.6 mi
M
Norman N. Glick Middle SchoolB-
Middle · Grades 7–8 · 1.0 mi

District: Empire Union Elementary School District

Neighborhood · ZIP 95357These 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.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.124

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.16,891
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.458 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,704
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,230
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.14 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

3520 Effingham Ln 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.

  • Among the lowest price per square foot in Modesto 95357
  • Bigger than 88% of homes in Modesto 95357
  • Has a smaller lot than 87% of homes in Stanislaus County
  • Newer than 66% of homes in Stanislaus County

What homes are worth in Modesto 95357

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

This home
$296K$1.3M

This home is worth more than 43% of homes in Modesto 95357.

How it measures up in Modesto 95357

The dot is this home. The mark in the middle is the typical home in Modesto 95357.

Estimated value$456,345
CheaperTypical $479,829Pricier

Pricier than 43% of homes nearby

Price per ft²$184
CheaperTypical $286Pricier

Cheaper than almost all homes nearby

Living area2,483 ft²
SmallerTypical 1,732 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.11 ac
SmallerTypical 0.14 acBigger

Bigger than 23% of homes nearby

Year built1991
OlderTypical 1992Newer

Newer than 49% of homes nearby

How 3520 Effingham Ln ranks against every home in each area.
MeasureThis homeModesto 95357Stanislaus County
Estimated valuepricier than$456,34543% of homes50% of homes
Price per ft²pricier than$184almost no homes2% of homes
Living areabigger than2,483 ft²88% of homes87% of homes
Lot sizebigger than0.11 ac23% of homes13% of homes
Year builtnewer than199149% of homes66% of homes

About 3520 Effingham Ln

How much is 3520 Effingham Ln, Modesto, CA worth?

The TopHap Estimate for 3520 Effingham Ln, Modesto, CA is $456,345 as of Aug 30, 2026. The likely range is $411,904 to $500,786. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3520 Effingham Ln, Modesto, CA last sell?

3520 Effingham Ln, Modesto, CA last sold on Oct 15, 2008 for $210,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 3520 Effingham Ln, Modesto, CA?

3520 Effingham Ln, Modesto, CA has 5 bedrooms, 3 bathrooms, 2,483 square feet of living space and a 0.11-acre lot.

When was 3520 Effingham Ln, Modesto, CA built?

3520 Effingham Ln, Modesto, CA was built in 1991, making it 35 years old. The building has 2 stories.

What schools serve 3520 Effingham Ln, Modesto, CA?

3520 Effingham Ln, Modesto, CA is assigned to Bernard L. Hughes Elementary School (elementary), rated B; Peter Johansen High School (high), rated D; Norman N. Glick Middle School (middle), rated B-. All sit in Empire Union Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3520 Effingham Ln, Modesto, CA compare to other homes in Modesto 95357?

Among the 3,453 homes in Modesto 95357, it is worth more than 43% of them ($456,345 against a typical $479,829), its price per square foot is higher than almost none of them ($184 against a typical $286), it is bigger than 88% of them (2,483 ft² against a typical 1,732 ft²), its lot is bigger than 23% of them (0.11 ac against a typical 0.14 ac) and it is newer than 49% of them (1991 against a typical 1992). Measured against all of Stanislaus County, it is worth more than 50% 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 3520 Effingham Ln, Modesto, CA?

The 2025 property tax bill for 3520 Effingham Ln, Modesto, CA was $2,898. The county assessed it at $270,413.

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