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TownhouseResidential
$1,512,964$743 / 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 96How 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
Last sold for $1,470,000 on Jan 23, 2023

40281 COTTAGE ROSE TER

FREMONT, CA 94538
3
Beds
3.5
Baths
2,036 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.
2,128 ft²
Lot SizeThe size of the land the home sits on, from county records.
2009
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.5M
$1.4M low$1.6M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,470,000 · Jan 23, 2023
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.$367,964
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$294,371
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.78%
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.$1,145,000
CITIBANK NA · 4.87% 1 · recorded Jan 23, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$18,573 (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.$1,440,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$434,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,012,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,522,387
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,292,760

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
CountyALAMEDA
Lot (acres)The size of the land the home sits on, from county records.0.05
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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
John Blacow Elementary SchoolB
Elementary · Grades KG–5 · 0.5 mi
M
G. M. Walters Middle SchoolA
Middle · Grades 6–8 · 0.6 mi
H
Kennedy High SchoolB+
High · Grades 9–12 · 0.7 mi

District: Fremont Unified School District

Neighborhood · ZIP 94538These 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.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.620

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
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.67,745
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,952 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$137,410
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$160,880
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.16 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

40281 Cottage Rose Ter 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 89% of homes in South Sundale
  • Costs less per square foot than 87% of homes in South Sundale
  • Bigger than 93% of homes in South Sundale
  • Among the smallest lots in South Sundale
  • Newer than 98% of homes in South Sundale

What homes are worth in Fremont 94538

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

This home
$445K$1.8M

This home is worth more than 87% of homes in Fremont 94538.

How it measures up in Fremont 94538

The dot is this home. The mark in the middle is the typical home in Fremont 94538.

Estimated value$1,512,964
CheaperTypical $1,221,199Pricier

Pricier than 87% of homes nearby

Price per ft²$743
CheaperTypical $844Pricier

Pricier than 34% of homes nearby

Living area2,036 ft²
SmallerTypical 1,387 ft²Bigger

Bigger than 91% of homes nearby

Lot size2,128 ft²
SmallerTypical 0.14 acBigger

Bigger than 10% of homes nearby

Year built2009
OlderTypical 1963Newer

Newer than 87% of homes nearby

How 40281 Cottage Rose Ter ranks against every home in each area.
MeasureThis homeSouth SundaleFremont 94538Alameda County
Estimated valuepricier than$1,512,96489% of homes87% of homes77% of homes
Price per ft²pricier than$74313% of homes34% of homes65% of homes
Living areabigger than2,036 ft²93% of homes91% of homes72% of homes
Lot sizebigger than2,128 ft²almost no homes10% of homes5% of homes
Year builtnewer than200998% of homes87% of homes94% of homes

About 40281 Cottage Rose Ter

How much is 40281 Cottage Rose Ter, Fremont, CA worth?

The TopHap Estimate for 40281 Cottage Rose Ter, Fremont, CA is $1,512,964 as of Jul 14, 2026. The likely range is $1,448,603 to $1,577,325. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40281 Cottage Rose Ter, Fremont, CA last sell?

40281 Cottage Rose Ter, Fremont, CA last sold on Jan 23, 2023 for $1,470,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 40281 Cottage Rose Ter, Fremont, CA?

40281 Cottage Rose Ter, Fremont, CA has 3 bedrooms, 3.5 bathrooms, 2,036 square feet of living space and a 0.05-acre lot.

When was 40281 Cottage Rose Ter, Fremont, CA built?

40281 Cottage Rose Ter, Fremont, CA was built in 2009, making it 17 years old. The building has 3 stories.

What schools serve 40281 Cottage Rose Ter, Fremont, CA?

40281 Cottage Rose Ter, Fremont, CA is assigned to John Blacow Elementary School (elementary), rated B; G. M. Walters Middle School (middle), rated A; Kennedy High School (high), rated B+. All sit in Fremont Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40281 Cottage Rose Ter, Fremont, CA compare to other homes in Fremont 94538?

Among the 15,987 homes in Fremont 94538, it is worth more than 87% of them ($1,512,964 against a typical $1,221,199), its price per square foot is higher than 34% of them ($743 against a typical $844), it is bigger than 91% of them (2,036 ft² against a typical 1,387 ft²), its lot is bigger than 10% of them (2,128 ft² against a typical 0.14 ac) and it is newer than 87% of them (2009 against a typical 1963). Measured against all of Alameda County, it is worth more than 77% 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 40281 Cottage Rose Ter, Fremont, CA?

The 2025 property tax bill for 40281 Cottage Rose Ter, Fremont, CA was $18,573. The county assessed it at $1,440,000.

More homes on Cottage Rose Ter

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Assigned schools

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