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Single Family ResidenceResidential
$1,026,347$267 / 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 93How 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 $1,105,000 on Aug 7, 2024

4540 WATERSTONE DR

ROSEVILLE, CA 95747
4
Beds
3.5
Baths
3,841 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1M
$956K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,105,000 · Aug 7, 2024
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.$426,347
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$341,078
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.57%
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.$600,000
INDEPENDENT FINANCIAL SERVICES GROU · recorded Aug 7, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,923 (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.$1,127,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$306,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$821,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,105,000

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.50
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
77
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
47
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyPLACER
Lot (acres)The size of the land the home sits on, from county records.0.46
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(13)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(3)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Creekview Ranch K-8 SchoolA-
Elementary · Grades KG–8 · 1.6 mi
H
Oakmont High SchoolA
High · Grades 9–12 · 5.6 mi

District: Roseville Joint Union High School District

Neighborhood · ZIP 95747These 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.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
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.80,171
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,819 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$128,099
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$150,002
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.23 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

4540 Waterstone Dr 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 96% of homes in Roseville 95747
  • Costs less per square foot than 90% of homes in Placer County
  • Bigger than 96% of homes in Roseville 95747
  • Has a bigger lot than 86% of homes in Roseville 95747
  • Newer than 74% of homes in Placer County

What homes are worth in Roseville 95747

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

This home
$455K$1.1M

This home is worth more than 96% of homes in Roseville 95747.

How it measures up in Roseville 95747

The dot is this home. The mark in the middle is the typical home in Roseville 95747.

Estimated value$1,026,347
CheaperTypical $668,386Pricier

Pricier than 96% of homes nearby

Price per ft²$267
CheaperTypical $317Pricier

Pricier than 13% of homes nearby

Living area3,841 ft²
SmallerTypical 2,138 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.46 ac
SmallerTypical 0.17 acBigger

Bigger than 86% of homes nearby

Year built2005
OlderTypical 2008Newer

Newer than 45% of homes nearby

How 4540 Waterstone Dr ranks against every home in each area.
MeasureThis homeMorgan CreekRoseville 95747Placer County
Estimated valuepricier than$1,026,34752% of homes96% of homes84% of homes
Price per ft²pricier than$26746% of homes13% of homes10% of homes
Living areabigger than3,841 ft²56% of homes96% of homes95% of homes
Lot sizebigger than0.46 ac58% of homes86% of homes73% of homes
Year builtnewer than200565% of homes45% of homes74% of homes

About 4540 Waterstone Dr

How much is 4540 Waterstone Dr, Roseville, CA worth?

The TopHap Estimate for 4540 Waterstone Dr, Roseville, CA is $1,026,347 as of Jul 14, 2026. The likely range is $956,308 to $1,096,386. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4540 Waterstone Dr, Roseville, CA last sell?

4540 Waterstone Dr, Roseville, CA last sold on Aug 7, 2024 for $1,105,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 4540 Waterstone Dr, Roseville, CA?

4540 Waterstone Dr, Roseville, CA has 4 bedrooms, 3.5 bathrooms, 3,841 square feet of living space and a 0.46-acre lot.

When was 4540 Waterstone Dr, Roseville, CA built?

4540 Waterstone Dr, Roseville, CA was built in 2005, making it 21 years old. It is a cape cod home.

What schools serve 4540 Waterstone Dr, Roseville, CA?

4540 Waterstone Dr, Roseville, CA is assigned to Creekview Ranch K-8 School (elementary), rated A-; Oakmont High School (high), rated A. All sit in Roseville Joint Union High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4540 Waterstone Dr, Roseville, CA compare to other homes in Roseville 95747?

Among the 33,677 homes in Roseville 95747, it is worth more than 96% of them ($1,026,347 against a typical $668,386), its price per square foot is higher than 13% of them ($267 against a typical $317), it is bigger than 96% of them (3,841 ft² against a typical 2,138 ft²), its lot is bigger than 86% of them (0.46 ac against a typical 0.17 ac) and it is newer than 45% of them (2005 against a typical 2008). Measured against all of Placer County, it is worth more than 84% 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 4540 Waterstone Dr, Roseville, CA?

The 2025 property tax bill for 4540 Waterstone Dr, Roseville, CA was $13,923. The county assessed it at $1,127,100.

Closest homes

More homes in Roseville 95747

Assigned schools

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