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Single Family ResidenceResidential
$2,567,896$651 / 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 91How 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 $1,150,000 on Apr 17, 2015

492 CLAY ST

MONTEREY, CA 93940
4
Beds
4
Baths
3,945 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1905
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
18
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$2.6M
$2.3M low$2.8M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,150,000 · Apr 17, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,788 (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.$504,882 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$118,377
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$386,505
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$494,983

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.13
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
13
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
25
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
1
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyMONTEREY
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1920
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system 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(7)

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.

H
Monterey High SchoolA
High · Grades 9–12 · 0.3 mi
E
Monte VistaB-
Elementary · Grades KG–8 · 0.7 mi

District: Monterey Peninsula Unified School District

Neighborhood · ZIP 93940These 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.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.75
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.355

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
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.30,837
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,156 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$110,487
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$138,191
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.19 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.79%

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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

492 Clay 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.

  • Among the most valuable homes in Old Town
  • Costs less per square foot than 84% of homes in Old Town
  • Bigger than 96% of homes in Monterey County
  • Has a bigger lot than 96% of homes in Old Town
  • Among the oldest homes in Monterey 93940

What homes are worth in Monterey 93940

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

This home
$375K$3.4M

This home is worth more than 95% of homes in Monterey 93940.

How it measures up in Monterey 93940

The dot is this home. The mark in the middle is the typical home in Monterey 93940.

Estimated value$2,567,896
CheaperTypical $1,028,381Pricier

Pricier than 95% of homes nearby

Price per ft²$651
CheaperTypical $672Pricier

Pricier than 43% of homes nearby

Living area3,945 ft²
SmallerTypical 1,578 ft²Bigger

Bigger than 93% of homes nearby

Lot size0.33 ac
SmallerTypical 0.17 acBigger

Bigger than 79% of homes nearby

Year built1905
OlderTypical 1963Newer

Older than almost all homes nearby

How 492 Clay St ranks against every home in each area.
MeasureThis homeOld TownMonterey 93940Monterey County
Estimated valuepricier than$2,567,896almost all homes95% of homes92% of homes
Price per ft²pricier than$65116% of homes43% of homes72% of homes
Living areabigger than3,945 ft²92% of homes93% of homes96% of homes
Lot sizebigger than0.33 ac96% of homes79% of homes75% of homes
Year builtnewer than19053% of homesalmost no homesalmost no homes

About 492 Clay St

How much is 492 Clay St, Monterey, CA worth?

The TopHap Estimate for 492 Clay St, Monterey, CA is $2,567,896 as of Aug 30, 2026. The likely range is $2,327,207 to $2,808,585. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 492 Clay St, Monterey, CA last sell?

492 Clay St, Monterey, CA last sold on Apr 17, 2015 for $1,150,000, according to the county's recorded deed.

How big is 492 Clay St, Monterey, CA?

492 Clay St, Monterey, CA has 4 bedrooms, 4 bathrooms, 3,945 square feet of living space and a 0.33-acre lot.

When was 492 Clay St, Monterey, CA built?

492 Clay St, Monterey, CA was built in 1905, making it 121 years old. The building has 2 stories.

What schools serve 492 Clay St, Monterey, CA?

492 Clay St, Monterey, CA is assigned to Monterey High School (high), rated A; Monte Vista (elementary), rated B-. All sit in Monterey Peninsula Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 492 Clay St, Monterey, CA compare to other homes in Monterey 93940?

Among the 9,316 homes in Monterey 93940, it is worth more than 95% of them ($2,567,896 against a typical $1,028,381), its price per square foot is higher than 43% of them ($651 against a typical $672), it is bigger than 93% of them (3,945 ft² against a typical 1,578 ft²), its lot is bigger than 79% of them (0.33 ac against a typical 0.17 ac) and it is newer than almost none of them (1905 against a typical 1963). Measured against all of Monterey County, it is worth more than 92% 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 492 Clay St, Monterey, CA?

The 2025 property tax bill for 492 Clay St, Monterey, CA was $5,788. The county assessed it at $504,882.

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