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Rural ResidenceResidential
$406,708$208 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

435 TOTO CT

RIO RICO, AZ 85648
3
Beds
2
Baths
1,956 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.
2.28 ac
Lot SizeThe size of the land the home sits on, from county records.
2014
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
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

$407K
$346K low$468K 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.$118,708
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,966
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.71%
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.$188,000
LEND SMART MORTGAGE LLC · recorded Jun 8, 2021
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.$100,000
CHENG HOLDINGS LP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,232 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$26,882 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$26,282
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$27,489
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$268,817

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.51
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
87
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
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.
35
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.1 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.Rural Residence
CountySanta Cruz
Lot (acres)The size of the land the home sits on, from county records.2.28
ConstructionThe main material the home's frame and walls are built from.Steel Frame
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Tile
HeatingThe type of heating system in the home.None
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 1,490 ft²

Transaction History(6)

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
Little Red SchoolC-
Elementary · Grades KG–8 · 4.6 mi
H
Nogales High SchoolD+
High · Grades 9–12 · 5.5 mi

District: Santa Cruz Elementary District

Neighborhood · ZIP 85648These 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.48
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.18,682
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.98 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,576
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,897
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.22 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.85%

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

435 Toto 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.

  • Worth more than 92% of homes in Rio Rico 85648
  • Costs more per square foot than 92% of homes in Rio Rico 85648
  • Bigger than 74% of homes in Rio Rico 85648
  • Has a bigger lot than 94% of homes in Rio Rico 85648
  • Newer than 94% of homes in Santa Cruz County

What homes are worth in Rio Rico 85648

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

This home
$174K$517K

This home is worth more than 92% of homes in Rio Rico 85648.

How it measures up in Rio Rico 85648

The dot is this home. The mark in the middle is the typical home in Rio Rico 85648.

Estimated value$406,708
CheaperTypical $258,728Pricier

Pricier than 92% of homes nearby

Price per ft²$208
CheaperTypical $163Pricier

Pricier than 92% of homes nearby

Living area1,956 ft²
SmallerTypical 1,614 ft²Bigger

Bigger than 74% of homes nearby

Lot size2.28 ac
SmallerTypical 0.59 acBigger

Bigger than 94% of homes nearby

Year built2014
OlderTypical 2000Newer

Newer than 92% of homes nearby

How 435 Toto Ct ranks against every home in each area.
MeasureThis homeRio Rico 85648Santa Cruz County
Estimated valuepricier than$406,70892% of homes80% of homes
Price per ft²pricier than$20892% of homes79% of homes
Living areabigger than1,956 ft²74% of homes68% of homes
Lot sizebigger than2.28 ac94% of homes87% of homes
Year builtnewer than201492% of homes94% of homes

About 435 Toto Ct

How much is 435 Toto Ct, Rio Rico, AZ worth?

The TopHap Estimate for 435 Toto Ct, Rio Rico, AZ is $406,708 as of Jun 23, 2026. The likely range is $345,701 to $467,714. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Toto Ct, Rio Rico, AZ last sell?

435 Toto Ct, Rio Rico, AZ last sold on Nov 17, 2021, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 435 Toto Ct, Rio Rico, AZ?

435 Toto Ct, Rio Rico, AZ has 3 bedrooms, 2 bathrooms, 1,956 square feet of living space and a 2.28-acre lot.

When was 435 Toto Ct, Rio Rico, AZ built?

435 Toto Ct, Rio Rico, AZ was built in 2014, making it 12 years old. The building has 1 story.

What schools serve 435 Toto Ct, Rio Rico, AZ?

435 Toto Ct, Rio Rico, AZ is assigned to Little Red School (elementary), rated C-; Nogales High School (high), rated D+. All sit in Santa Cruz Elementary District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 Toto Ct, Rio Rico, AZ compare to other homes in Rio Rico 85648?

Among the 7,471 homes in Rio Rico 85648, it is worth more than 92% of them ($406,708 against a typical $258,728), its price per square foot is higher than 92% of them ($208 against a typical $163), it is bigger than 74% of them (1,956 ft² against a typical 1,614 ft²), its lot is bigger than 94% of them (2.28 ac against a typical 0.59 ac) and it is newer than 92% of them (2014 against a typical 2000). Measured against all of Santa Cruz County, it is worth more than 80% 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 435 Toto Ct, Rio Rico, AZ?

The 2024 property tax bill for 435 Toto Ct, Rio Rico, AZ was $2,232. The county assessed it at $26,882.

Closest homes

More homes in Rio Rico 85648

Assigned schools

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