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Single Family ResidenceResidential
$493,146$220 / 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 95How 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
Last sold for $327,500 on Jan 31, 2020

643 PHELPS DR

MERCED, CA 95348
4
Beds
2.5
Baths
2,245 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$493K
$468K low$518K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$327,500 · Jan 31, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,674 (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.$345,803 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$89,237
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$256,566
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$339,024

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.52
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
84
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.8 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.0.2 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.Custom Design
CountyMERCED
Lot (acres)The size of the land the home sits on, from county records.0.11
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
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.Patio · 102 ft²

Transaction History(4)

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
Cruickshank Middle SchoolC
Middle · Grades 7–8 · 1.0 mi
E
Rudolph Rivera Elementary SchoolD+
Elementary · Grades KG–6 · 1.3 mi
H
El Capitan High SchoolC+
High · Grades 9–12 · 1.6 mi

District: Merced City Elementary School District

Neighborhood · ZIP 95348These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.114

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.13%
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.3.0%
PopulationHow many people live in this area.36,148
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.793 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,459
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,026
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.13 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

643 Phelps 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 85% of homes in Merced 95348
  • Costs less per square foot than 72% of homes in Bellevue Ranch Village
  • Bigger than 84% of homes in Merced County
  • Has a smaller lot than 94% of homes in Merced County
  • Newer than 96% of homes in Merced County

What homes are worth in Merced 95348

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

This home
$228K$586K

This home is worth more than 85% of homes in Merced 95348.

How it measures up in Merced 95348

The dot is this home. The mark in the middle is the typical home in Merced 95348.

Estimated value$493,146
CheaperTypical $404,038Pricier

Pricier than 85% of homes nearby

Price per ft²$220
CheaperTypical $230Pricier

Pricier than 35% of homes nearby

Living area2,245 ft²
SmallerTypical 1,709 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.11 ac
SmallerTypical 0.15 acBigger

Bigger than 13% of homes nearby

Year built2020
OlderTypical 2003Newer

Newer than 91% of homes nearby

How 643 Phelps Dr ranks against every home in each area.
MeasureThis homeBellevue Ranch VillageMerced 95348Merced County
Estimated valuepricier than$493,14674% of homes85% of homes82% of homes
Price per ft²pricier than$22028% of homes35% of homes29% of homes
Living areabigger than2,245 ft²76% of homes81% of homes84% of homes
Lot sizebigger than0.11 ac21% of homes13% of homes6% of homes
Year builtnewer than202072% of homes91% of homes96% of homes

About 643 Phelps Dr

How much is 643 Phelps Dr, Merced, CA worth?

The TopHap Estimate for 643 Phelps Dr, Merced, CA is $493,146 as of Sep 24, 2026. The likely range is $468,294 to $517,998. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 Phelps Dr, Merced, CA last sell?

643 Phelps Dr, Merced, CA last sold on Jan 31, 2020 for $327,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 643 Phelps Dr, Merced, CA?

643 Phelps Dr, Merced, CA has 4 bedrooms, 2.5 bathrooms, 2,245 square feet of living space and a 0.11-acre lot.

When was 643 Phelps Dr, Merced, CA built?

643 Phelps Dr, Merced, CA was built in 2020, making it 6 years old. It is a custom design home. The building has 2 stories.

What schools serve 643 Phelps Dr, Merced, CA?

643 Phelps Dr, Merced, CA is assigned to Cruickshank Middle School (middle), rated C; Rudolph Rivera Elementary School (elementary), rated D+; El Capitan 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 643 Phelps Dr, Merced, CA compare to other homes in Merced 95348?

Among the 9,724 homes in Merced 95348, it is worth more than 85% of them ($493,146 against a typical $404,038), its price per square foot is higher than 35% of them ($220 against a typical $230), it is bigger than 81% of them (2,245 ft² against a typical 1,709 ft²), its lot is bigger than 13% of them (0.11 ac against a typical 0.15 ac) and it is newer than 91% of them (2020 against a typical 2003). Measured against all of Merced County, it is worth more than 82% 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 643 Phelps Dr, Merced, CA?

The 2025 property tax bill for 643 Phelps Dr, Merced, CA was $5,674. The county assessed it at $345,803.

More homes on Phelps Dr

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