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Single Family ResidenceResidential
$395,896$320 / 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 Oct 21, 2026

646 F ST

LOS BANOS, CA 93635
3
Beds
2
Baths
1,239 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$396K
$366K low$426K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,941 (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.$180,774 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$45,927
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$134,847
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$177,230

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.47
28
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
74
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
4
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.4 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Custom Design
CountyMERCED
Lot (acres)The size of the land the home sits on, from county records.0.17
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Los Banos Elementary SchoolD
Elementary · Grades KG–6 · 0.4 mi
H
Los Banos High SchoolC-
High · Grades 9–12 · 0.9 mi
M
Creekside Junior High SchoolD
Middle · Grades 7–8 · 1.9 mi

District: Los Banos Unified School District

Neighborhood · ZIP 93635These 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.89
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 100.311

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.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.3.2%
PopulationHow many people live in this area.50,700
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.118 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,599
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,688
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.10 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

646 F 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 68% of homes in Los Banos 93635
  • Costs more per square foot than 94% of homes in Merced County
  • Smaller than 83% of homes in Los Banos 93635
  • Has a bigger lot than 72% of homes in Los Banos 93635
  • Older than 68% of homes in Los Banos 93635

What homes are worth in Los Banos 93635

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

This home
$278K$614K

This home is worth more than 32% of homes in Los Banos 93635.

How it measures up in Los Banos 93635

The dot is this home. The mark in the middle is the typical home in Los Banos 93635.

Estimated value$395,896
CheaperTypical $431,265Pricier

Pricier than 32% of homes nearby

Price per ft²$320
CheaperTypical $251Pricier

Pricier than 91% of homes nearby

Living area1,239 ft²
SmallerTypical 1,699 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.17 ac
SmallerTypical 0.15 acBigger

Bigger than 72% of homes nearby

Year built1990
OlderTypical 1999Newer

Newer than 32% of homes nearby

How 646 F St ranks against every home in each area.
MeasureThis homeLos Banos 93635Merced County
Estimated valuepricier than$395,89632% of homes53% of homes
Price per ft²pricier than$32091% of homes94% of homes
Living areabigger than1,239 ft²17% of homes25% of homes
Lot sizebigger than0.17 ac72% of homes60% of homes
Year builtnewer than199032% of homes51% of homes

About 646 F St

How much is 646 F St, Los Banos, CA worth?

The TopHap Estimate for 646 F St, Los Banos, CA is $395,896 as of Oct 21, 2026. The likely range is $365,830 to $425,962. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 F St, Los Banos, CA last sell?

646 F St, Los Banos, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 646 F St, Los Banos, CA?

646 F St, Los Banos, CA has 3 bedrooms, 2 bathrooms, 1,239 square feet of living space and a 0.17-acre lot.

When was 646 F St, Los Banos, CA built?

646 F St, Los Banos, CA was built in 1990, making it 36 years old. It is a custom design home. The building has 1 story.

What schools serve 646 F St, Los Banos, CA?

646 F St, Los Banos, CA is assigned to Los Banos Elementary School (elementary), rated D; Los Banos High School (high), rated C-; Creekside Junior High School (middle), rated D. All sit in Los Banos Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 F St, Los Banos, CA compare to other homes in Los Banos 93635?

Among the 13,558 homes in Los Banos 93635, it is worth more than 32% of them ($395,896 against a typical $431,265), its price per square foot is higher than 91% of them ($320 against a typical $251), it is bigger than 17% of them (1,239 ft² against a typical 1,699 ft²), its lot is bigger than 72% of them (0.17 ac against a typical 0.15 ac) and it is newer than 32% of them (1990 against a typical 1999). Measured against all of Merced County, it is worth more than 53% 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 F St, Los Banos, CA?

The 2025 property tax bill for 646 F St, Los Banos, CA was $1,941. The county assessed it at $180,774.

More homes on F St

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