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Single Family ResidenceResidential
$268,830$266 / 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 97How 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

38 RUBY ST

SUTTER CREEK, CA 95685
3
Beds
1
Baths
1,011 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.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
3
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

$269K
$261K low$276K 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.$120,830
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$96,664
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.60%
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.$100,000
COUNTRYWIDE BANK · recorded May 29, 2007
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.$48,000
EL DORADO SAVINGS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$300 (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.$37,431 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,051
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$30,380
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$36,698
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$345,330

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyAMADOR
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.Wood (Unspecified)
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.

H
Amador High SchoolA-
High · Grades 9–12 · 0.8 mi
E
Sutter Creek Elementary SchoolC+
Elementary · Grades KG–6 · 0.9 mi
M
Ione Junior High SchoolD-
Middle · Grades 6–8 · 7.6 mi

District: Amador County Unified School District

Neighborhood · ZIP 95685These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.80

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.4,359
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.108 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,373
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,459
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.31 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.No

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

38 Ruby 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 96% of homes in Sutter Creek 95685
  • Smaller than 90% of homes in Sutter Creek 95685
  • Has a smaller lot than 94% of homes in Amador County
  • Older than 93% of homes in Amador County

What homes are worth in Sutter Creek 95685

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

This home
$242K$939K

This home is worth more than 4% of homes in Sutter Creek 95685.

How it measures up in Sutter Creek 95685

The dot is this home. The mark in the middle is the typical home in Sutter Creek 95685.

Estimated value$268,830
CheaperTypical $463,741Pricier

Pricier than 4% of homes nearby

Price per ft²$266
CheaperTypical $269Pricier

Pricier than 47% of homes nearby

Living area1,011 ft²
SmallerTypical 1,728 ft²Bigger

Bigger than 10% of homes nearby

Lot size0.12 ac
SmallerTypical 0.7 acBigger

Bigger than 8% of homes nearby

Year built1940
OlderTypical 1980Newer

Newer than 12% of homes nearby

How 38 Ruby St ranks against every home in each area.
MeasureThis homeSutter Creek 95685Amador County
Estimated valuepricier than$268,8304% of homes12% of homes
Price per ft²pricier than$26647% of homes58% of homes
Living areabigger than1,011 ft²10% of homes11% of homes
Lot sizebigger than0.12 ac8% of homes6% of homes
Year builtnewer than194012% of homes7% of homes

About 38 Ruby St

How much is 38 Ruby St, Sutter Creek, CA worth?

The TopHap Estimate for 38 Ruby St, Sutter Creek, CA is $268,830 as of Jul 14, 2026. The likely range is $261,231 to $276,429. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Ruby St, Sutter Creek, CA last sell?

38 Ruby St, Sutter Creek, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 38 Ruby St, Sutter Creek, CA?

38 Ruby St, Sutter Creek, CA has 3 bedrooms, 1 bathrooms, 1,011 square feet of living space and a 0.12-acre lot.

When was 38 Ruby St, Sutter Creek, CA built?

38 Ruby St, Sutter Creek, CA was built in 1940, making it 86 years old.

What schools serve 38 Ruby St, Sutter Creek, CA?

38 Ruby St, Sutter Creek, CA is assigned to Amador High School (high), rated A-; Sutter Creek Elementary School (elementary), rated C+; Ione Junior High School (middle), rated D-. All sit in Amador County Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Ruby St, Sutter Creek, CA compare to other homes in Sutter Creek 95685?

Among the 1,960 homes in Sutter Creek 95685, it is worth more than 4% of them ($268,830 against a typical $463,741), its price per square foot is higher than 47% of them ($266 against a typical $269), it is bigger than 10% of them (1,011 ft² against a typical 1,728 ft²), its lot is bigger than 8% of them (0.12 ac against a typical 0.7 ac) and it is newer than 12% of them (1940 against a typical 1980). Measured against all of Amador County, it is worth more than 12% 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 38 Ruby St, Sutter Creek, CA?

The 2025 property tax bill for 38 Ruby St, Sutter Creek, CA was $300. The county assessed it at $37,431.

Closest homes

More homes in Sutter Creek 95685

Assigned schools

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