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Single Family ResidenceResidential
$239,360$171 / 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 Sep 24, 2026

428 W 20TH ST

MERCED, CA 95340
3
Beds
2
Baths
1,396 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1908
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$239K
$220K low$259K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15 (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.$133,275 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$63,645
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$69,630
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$130,669

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.42
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
69
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
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.
64
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.41 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.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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Custom Design
CountyMERCED
Lot (acres)The size of the land the home sits on, from county records.0.17
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

M
Hoover Middle SchoolD+
Middle · Grades 7–8 · 0.9 mi
E
Stowell Elementary SchoolD-
Elementary · Grades KG–6 · 0.9 mi
H
Merced High SchoolC-
High · Grades 9–12 · 1.2 mi

District: Merced City Elementary School District

Neighborhood · ZIP 95340These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.106

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.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.6%
PopulationHow many people live in this area.38,692
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.575 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,992
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,153
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.12 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

428 W 20th 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 95% of homes in Merced County
  • Costs less per square foot than 98% of homes in Merced 95340
  • Smaller than 69% of homes in Merced 95340
  • Among the oldest homes in Merced County

What homes are worth in Merced 95340

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

This home
$202K$889K

This home is worth more than 6% of homes in Merced 95340.

How it measures up in Merced 95340

The dot is this home. The mark in the middle is the typical home in Merced 95340.

Estimated value$239,360
CheaperTypical $392,018Pricier

Pricier than 6% of homes nearby

Price per ft²$171
CheaperTypical $237Pricier

Pricier than 2% of homes nearby

Living area1,396 ft²
SmallerTypical 1,659 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.17 ac
SmallerTypical 0.18 acBigger

Bigger than 46% of homes nearby

Year built1908
OlderTypical 1973Newer

Older than almost all homes nearby

How 428 W 20th St ranks against every home in each area.
MeasureThis homeMerced 95340Merced County
Estimated valuepricier than$239,3606% of homes5% of homes
Price per ft²pricier than$1712% of homes3% of homes
Living areabigger than1,396 ft²31% of homes37% of homes
Lot sizebigger than0.17 ac46% of homes60% of homes
Year builtnewer than1908almost no homesalmost no homes

About 428 W 20th St

How much is 428 W 20th St, Merced, CA worth?

The TopHap Estimate for 428 W 20th St, Merced, CA is $239,360 as of Sep 24, 2026. The likely range is $220,045 to $258,675. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 W 20th St, Merced, CA last sell?

428 W 20th St, Merced, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 428 W 20th St, Merced, CA?

428 W 20th St, Merced, CA has 3 bedrooms, 2 bathrooms, 1,396 square feet of living space and a 0.17-acre lot.

When was 428 W 20th St, Merced, CA built?

428 W 20th St, Merced, CA was built in 1908, making it 118 years old. It is a custom design home. The building has 1 story.

What schools serve 428 W 20th St, Merced, CA?

428 W 20th St, Merced, CA is assigned to Hoover Middle School (middle), rated D+; Stowell Elementary School (elementary), rated D-; Merced High School (high), rated C-. All sit in Merced City Elementary School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 W 20th St, Merced, CA compare to other homes in Merced 95340?

Among the 10,758 homes in Merced 95340, it is worth more than 6% of them ($239,360 against a typical $392,018), its price per square foot is higher than 2% of them ($171 against a typical $237), it is bigger than 31% of them (1,396 ft² against a typical 1,659 ft²), its lot is bigger than 46% of them (0.17 ac against a typical 0.18 ac) and it is newer than almost none of them (1908 against a typical 1973). Measured against all of Merced County, it is worth more than 5% 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 428 W 20th St, Merced, CA?

The 2025 property tax bill for 428 W 20th St, Merced, CA was $15. The county assessed it at $133,275.

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