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Single Family ResidenceResidential
$1,141,773$279 / 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 Jul 14, 2026

5420 N COMMERCIAL ST

RUSTON, WA 98407
4
Beds
3
Baths
4,092 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$1M low$1.2M 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.$43,288
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$34,630
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.93%
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.$590,000
BROKER SOLUTIONS INC · recorded May 22, 2017
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.$508,485
HOMESTREET BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,307 (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.$1,125,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$529,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$595,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,168,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,125,200

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.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
44
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
23
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.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.Bi-Level
CountyPIERCE
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.2007
Lot (acres)The size of the land the home sits on, from county records.0.28
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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.Deck · 500 ft²Patio · 144 ft²Porch · 500 ft²

Transaction History(1)

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
Point Defiance Elementary SchoolB+
Elementary · Grades PK–5 · 0.5 mi
M
Truman Middle SchoolC
Middle · Grades 6–8 · 1.1 mi
H
Silas High SchoolC-
High · Grades 9–12 · 2.5 mi

District: Tacoma Public Schools

Neighborhood · ZIP 98407These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.252

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.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.19,002
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,708 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$108,170
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$127,365
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.47%

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

5420 N Commercial 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 more than 96% of homes in Pierce County
  • Costs less per square foot than 88% of homes in Rustin
  • Bigger than 98% of homes in Rustin
  • Has a bigger lot than 96% of homes in Rustin
  • Older than 75% of homes in Pierce County

What homes are worth in Tacoma 98407

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

This home
$314K$1.5M

This home is worth more than 93% of homes in Tacoma 98407.

How it measures up in Tacoma 98407

The dot is this home. The mark in the middle is the typical home in Tacoma 98407.

Estimated value$1,141,773
CheaperTypical $601,397Pricier

Pricier than 93% of homes nearby

Price per ft²$279
CheaperTypical $382Pricier

Pricier than 12% of homes nearby

Living area4,092 ft²
SmallerTypical 1,625 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.28 ac
SmallerTypical 0.14 acBigger

Bigger than 95% of homes nearby

Year built1963
OlderTypical 1956Newer

Newer than 56% of homes nearby

How 5420 N Commercial St ranks against every home in each area.
MeasureThis homeRustinTacoma 98407Pierce County
Estimated valuepricier than$1,141,77390% of homes93% of homes96% of homes
Price per ft²pricier than$27912% of homes12% of homes36% of homes
Living areabigger than4,092 ft²98% of homes98% of homes98% of homes
Lot sizebigger than0.28 ac96% of homes95% of homes61% of homes
Year builtnewer than196341% of homes56% of homes25% of homes

About 5420 N Commercial St

How much is 5420 N Commercial St, Ruston, WA worth?

The TopHap Estimate for 5420 N Commercial St, Ruston, WA is $1,141,773 as of Jul 14, 2026. The likely range is $1,045,656 to $1,237,890. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5420 N Commercial St, Ruston, WA last sell?

5420 N Commercial St, Ruston, WA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 5420 N Commercial St, Ruston, WA?

5420 N Commercial St, Ruston, WA has 4 bedrooms, 3 bathrooms, 4,092 square feet of living space and a 0.28-acre lot.

When was 5420 N Commercial St, Ruston, WA built?

5420 N Commercial St, Ruston, WA was built in 1963, making it 63 years old. It is a bi-level home. The building has 2 stories.

What schools serve 5420 N Commercial St, Ruston, WA?

5420 N Commercial St, Ruston, WA is assigned to Point Defiance Elementary School (elementary), rated B+; Truman Middle School (middle), rated C; Silas High School (high), rated C-. All sit in Tacoma Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5420 N Commercial St, Ruston, WA compare to other homes in Tacoma 98407?

Among the 8,341 homes in Tacoma 98407, it is worth more than 93% of them ($1,141,773 against a typical $601,397), its price per square foot is higher than 12% of them ($279 against a typical $382), it is bigger than 98% of them (4,092 ft² against a typical 1,625 ft²), its lot is bigger than 95% of them (0.28 ac against a typical 0.14 ac) and it is newer than 56% of them (1963 against a typical 1956). Measured against all of Pierce County, it is worth more than 96% 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 5420 N Commercial St, Ruston, WA?

The 2025 property tax bill for 5420 N Commercial St, Ruston, WA was $10,307. The county assessed it at $1,125,200.

Closest homes

More homes in Ruston 98407

Assigned schools

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