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Single Family ResidenceResidential
$388,734$381 / 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 Aug 30, 2026
Last sold for $325,000 on Jun 2, 2021

405 SPENCER AVE

MODESTO, CA 95351
3
Beds
1
Baths
1,020 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.
1.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$389K
$376K low$401K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$325,000 · Jun 2, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,123 (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.$351,786 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$231,638
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$120,148
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$351,786

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.40
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
70
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.
11
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.1.20
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Floor/Wall Furnace
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 · 458 ft²

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
Franklin ElementaryC-
Elementary · Grades KG–6 · 0.3 mi
M
Mark Twain Junior HighC-
Middle · Grades 7–8 · 0.3 mi
H
Modesto High SchoolC+
High · Grades 9–12 · 0.6 mi

District: Modesto City Elementary School District

Neighborhood · ZIP 95351These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.159

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.52,180
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,963 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,315
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,592
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.13 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

405 Spencer 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 less than 77% of homes in Stanislaus County
  • Costs more per square foot than 96% of homes in Modesto 95351
  • Smaller than 91% of homes in Stanislaus County
  • Has a bigger lot than 96% of homes in Modesto 95351
  • Older than 98% of homes in Stanislaus County

What homes are worth in Modesto 95351

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

This home
$192K$636K

This home is worth more than 61% of homes in Modesto 95351.

How it measures up in Modesto 95351

The dot is this home. The mark in the middle is the typical home in Modesto 95351.

Estimated value$388,734
CheaperTypical $366,182Pricier

Pricier than 61% of homes nearby

Price per ft²$381
CheaperTypical $299Pricier

Pricier than 96% of homes nearby

Living area1,020 ft²
SmallerTypical 1,216 ft²Bigger

Bigger than 24% of homes nearby

Lot size1.2 ac
SmallerTypical 0.15 acBigger

Bigger than 96% of homes nearby

Year built1920
OlderTypical 1970Newer

Newer than 4% of homes nearby

How 405 Spencer Ave ranks against every home in each area.
MeasureThis homeModesto 95351Stanislaus County
Estimated valuepricier than$388,73461% of homes23% of homes
Price per ft²pricier than$38196% of homes92% of homes
Living areabigger than1,020 ft²24% of homes9% of homes
Lot sizebigger than1.2 ac96% of homes92% of homes
Year builtnewer than19204% of homes2% of homes

About 405 Spencer Ave

How much is 405 Spencer Ave, Modesto, CA worth?

The TopHap Estimate for 405 Spencer Ave, Modesto, CA is $388,734 as of Aug 30, 2026. The likely range is $376,108 to $401,360. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 Spencer Ave, Modesto, CA last sell?

405 Spencer Ave, Modesto, CA last sold on Jun 2, 2021 for $325,000, according to the county's recorded deed.

How big is 405 Spencer Ave, Modesto, CA?

405 Spencer Ave, Modesto, CA has 3 bedrooms, 1 bathrooms, 1,020 square feet of living space and a 1.20-acre lot.

When was 405 Spencer Ave, Modesto, CA built?

405 Spencer Ave, Modesto, CA was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 405 Spencer Ave, Modesto, CA?

405 Spencer Ave, Modesto, CA is assigned to Franklin Elementary (elementary), rated C-; Mark Twain Junior High (middle), rated C-; Modesto High School (high), rated C+. All sit in Modesto City Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 405 Spencer Ave, Modesto, CA compare to other homes in Modesto 95351?

Among the 10,101 homes in Modesto 95351, it is worth more than 61% of them ($388,734 against a typical $366,182), its price per square foot is higher than 96% of them ($381 against a typical $299), it is bigger than 24% of them (1,020 ft² against a typical 1,216 ft²), its lot is bigger than 96% of them (1.2 ac against a typical 0.15 ac) and it is newer than 4% of them (1920 against a typical 1970). Measured against all of Stanislaus County, it is worth more than 23% 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 405 Spencer Ave, Modesto, CA?

The 2025 property tax bill for 405 Spencer Ave, Modesto, CA was $4,123. The county assessed it at $351,786.

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