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Single Family ResidenceResidential
$1,039,025$313 / 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

3685 S RANCHFORD CT

CONCORD, CA 94520
4
Beds
2.5
Baths
3,323 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.
1985
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
14
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

$1M
$954K low$1.1M 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.$689,025
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$551,220
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.33%
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.$350,000
WASHINGTON MUTUAL BANK FA · 7.3% 1 · recorded Feb 6, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,942 (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.$370,558 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,633
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$290,925
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$363,293

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.17
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.
41
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
30
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
14
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.1988
Lot (acres)The size of the land the home sits on, from county records.0.20
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(4)

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
Sun Terrace Elementary SchoolC+
Elementary · Grades KG–5 · 0.2 mi
H
Mt. Diablo High SchoolD+
High · Grades 9–12 · 1.4 mi
M
El Dorado Middle SchoolD+
Middle · Grades 6–8 · 2.8 mi

District: Mount Diablo Unified School District

Neighborhood · ZIP 94520These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.583

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.22%
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.1.6%
PopulationHow many people live in this area.41,556
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,414 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,669
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,256
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.18 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.Absentee owner
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

3685 S Ranchford 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.

  • Among the most valuable homes in Concord 94520
  • Among the lowest price per square foot in Sun Terrace
  • Among the largest homes in Sun Terrace
  • Has a bigger lot than 82% of homes in Sun Terrace
  • Newer than 98% of homes in Sun Terrace

What homes are worth in Concord 94520

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

This home
$215K$850K

This home is worth more than almost all homes in Concord 94520.

How it measures up in Concord 94520

The dot is this home. The mark in the middle is the typical home in Concord 94520.

Estimated value$1,039,025
CheaperTypical $581,375Pricier

Pricier than almost all homes nearby

Price per ft²$313
CheaperTypical $455Pricier

Pricier than 5% of homes nearby

Living area3,323 ft²
SmallerTypical 1,163 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.2 ac
SmallerTypical 0.14 acBigger

Bigger than 82% of homes nearby

Year built1985
OlderTypical 1960Newer

Newer than 94% of homes nearby

How 3685 S Ranchford Ct ranks against every home in each area.
MeasureThis homeSun TerraceConcord 94520Contra Costa County
Estimated valuepricier than$1,039,025almost all homesalmost all homes69% of homes
Price per ft²pricier than$313almost no homes5% of homes12% of homes
Living areabigger than3,323 ft²almost all homes96% of homes92% of homes
Lot sizebigger than0.2 ac82% of homes82% of homes69% of homes
Year builtnewer than198598% of homes94% of homes63% of homes

About 3685 S Ranchford Ct

How much is 3685 S Ranchford Ct, Concord, CA worth?

The TopHap Estimate for 3685 S Ranchford Ct, Concord, CA is $1,039,025 as of Jul 14, 2026. The likely range is $954,043 to $1,124,007. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3685 S Ranchford Ct, Concord, CA last sell?

3685 S Ranchford Ct, Concord, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3685 S Ranchford Ct, Concord, CA?

3685 S Ranchford Ct, Concord, CA has 4 bedrooms, 2.5 bathrooms, 3,323 square feet of living space and a 0.20-acre lot.

When was 3685 S Ranchford Ct, Concord, CA built?

3685 S Ranchford Ct, Concord, CA was built in 1985, making it 41 years old. The building has 2 stories.

What schools serve 3685 S Ranchford Ct, Concord, CA?

3685 S Ranchford Ct, Concord, CA is assigned to Sun Terrace Elementary School (elementary), rated C+; Mt. Diablo High School (high), rated D+; El Dorado Middle School (middle), rated D+. All sit in Mount Diablo Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3685 S Ranchford Ct, Concord, CA compare to other homes in Concord 94520?

Among the 7,388 homes in Concord 94520, it is worth more than almost all of them ($1,039,025 against a typical $581,375), its price per square foot is higher than 5% of them ($313 against a typical $455), it is bigger than 96% of them (3,323 ft² against a typical 1,163 ft²), its lot is bigger than 82% of them (0.2 ac against a typical 0.14 ac) and it is newer than 94% of them (1985 against a typical 1960). Measured against all of Contra Costa County, it is worth more than 69% 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 3685 S Ranchford Ct, Concord, CA?

The 2025 property tax bill for 3685 S Ranchford Ct, Concord, CA was $4,942. The county assessed it at $370,558.

Closest homes

More homes in Concord 94520

Assigned schools

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