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Single Family ResidenceResidential
$616,140$474 / 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 94How 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

646 38TH ST

RICHMOND, CA 94805
3
Beds
1
Baths
1,300 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.
1948
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
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

$616K
$581K low$651K 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.$516,140
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$412,912
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.16%
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.$100,000
MECHANICS BANK · recorded Mar 25, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,213 (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.$64,217 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,681
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$39,536
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,959

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.25
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
19
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
44
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
36
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
CountyCONTRA COSTA
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.1955
Lot (acres)The size of the land the home sits on, from county records.0.12
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

Transaction History(3)

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
DeJean Middle SchoolF
Middle · Grades 7–8 · 0.5 mi
H
Kennedy High SchoolD
High · Grades 9–12 · 1.0 mi
E
Wilson Elementary SchoolD
Elementary · Grades KG–6 · 2.3 mi

District: West Contra Costa Unified School District

Neighborhood · ZIP 94805These 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.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.614

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.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.15,814
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,276 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,376
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,590
Average tempThe average temperature here across a full year.57°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.Yes

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

646 38th 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 less than 67% of homes in Contra Costa County
  • Costs less per square foot than 68% of homes in Richmond 94805
  • Smaller than 75% of homes in Contra Costa County
  • Has a smaller lot than 72% of homes in Contra Costa County
  • Older than 89% of homes in Contra Costa County

What homes are worth in Richmond 94805

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

This home
$430K$1.2M

This home is worth more than 37% of homes in Richmond 94805.

How it measures up in Richmond 94805

The dot is this home. The mark in the middle is the typical home in Richmond 94805.

Estimated value$616,140
CheaperTypical $666,998Pricier

Pricier than 37% of homes nearby

Price per ft²$474
CheaperTypical $523Pricier

Pricier than 32% of homes nearby

Living area1,300 ft²
SmallerTypical 1,305 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.11 ac
SmallerTypical 0.11 acBigger

Bigger than 38% of homes nearby

Year built1948
OlderTypical 1945Newer

Newer than 58% of homes nearby

How 646 38th St ranks against every home in each area.
MeasureThis homeRichmond 94805Contra Costa County
Estimated valuepricier than$616,14037% of homes33% of homes
Price per ft²pricier than$47432% of homes52% of homes
Living areabigger than1,300 ft²50% of homes25% of homes
Lot sizebigger than0.11 ac38% of homes28% of homes
Year builtnewer than194858% of homes11% of homes

About 646 38th St

How much is 646 38th St, Richmond, CA worth?

The TopHap Estimate for 646 38th St, Richmond, CA is $616,140 as of Jul 14, 2026. The likely range is $580,963 to $651,317. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 38th St, Richmond, CA last sell?

646 38th St, Richmond, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 646 38th St, Richmond, CA?

646 38th St, Richmond, CA has 3 bedrooms, 1 bathrooms, 1,300 square feet of living space and a 0.12-acre lot.

When was 646 38th St, Richmond, CA built?

646 38th St, Richmond, CA was built in 1948, making it 78 years old. The building has 1 story.

What schools serve 646 38th St, Richmond, CA?

646 38th St, Richmond, CA is assigned to DeJean Middle School (middle), rated F; Kennedy High School (high), rated D; Wilson Elementary School (elementary), rated D. All sit in West Contra Costa Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 38th St, Richmond, CA compare to other homes in Richmond 94805?

Among the 4,505 homes in Richmond 94805, it is worth more than 37% of them ($616,140 against a typical $666,998), its price per square foot is higher than 32% of them ($474 against a typical $523), it is bigger than 50% of them (1,300 ft² against a typical 1,305 ft²), its lot is bigger than 38% of them (0.11 ac against a typical 0.11 ac) and it is newer than 58% of them (1948 against a typical 1945). Measured against all of Contra Costa County, it is worth more than 33% 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 646 38th St, Richmond, CA?

The 2025 property tax bill for 646 38th St, Richmond, CA was $2,213. The county assessed it at $64,217.

Closest homes

More homes in Richmond 94805

Assigned schools

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