Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$434,181$288 / 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 97How 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

8685 GARNET CT

HILMAR, CA 95324
3
Beds
2
Baths
1,505 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$434K
$423K low$446K 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.$326,181
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$260,945
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.24%
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.$83,000
CAPITAL PACIFIC MORTGAGE · R · recorded Apr 9, 1998
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.$25,000
HOME SAVINGS OF AMERICA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,388 (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.$221,737 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,526
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$153,211
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$217,390

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.36
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
65
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
13
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
45
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
CountyMERCED
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.1992
Lot (acres)The size of the land the home sits on, from county records.0.22
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.Tile
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 152 ft²Porch · 27 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.

H
Hilmar High SchoolC
High · Grades 9–12 · 0.9 mi
M
Hilmar Middle SchoolC
Middle · Grades 6–8 · 1.0 mi
E
Elim Elementary SchoolC
Elementary · Grades 3–5 · 1.1 mi

District: Hilmar Unified School District

Neighborhood · ZIP 95324These 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.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.171

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.9.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.9%
PopulationHow many people live in this area.7,741
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.186 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,490
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,255
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.12 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

8685 Garnet Ct 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 71% of homes in Merced County
  • Costs more per square foot than 85% of homes in Merced County
  • Has a bigger lot than 78% of homes in Merced County

What homes are worth in Hilmar 95324

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

This home
$289K$781K

This home is worth more than 47% of homes in Hilmar 95324.

How it measures up in Hilmar 95324

The dot is this home. The mark in the middle is the typical home in Hilmar 95324.

Estimated value$434,181
CheaperTypical $443,668Pricier

Pricier than 47% of homes nearby

Price per ft²$288
CheaperTypical $293Pricier

Pricier than 44% of homes nearby

Living area1,505 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.22 ac
SmallerTypical 0.17 acBigger

Bigger than 76% of homes nearby

Year built1991
OlderTypical 1988Newer

Newer than 60% of homes nearby

How 8685 Garnet Ct ranks against every home in each area.
MeasureThis homeHilmar 95324Merced County
Estimated valuepricier than$434,18147% of homes71% of homes
Price per ft²pricier than$28844% of homes85% of homes
Living areabigger than1,505 ft²52% of homes46% of homes
Lot sizebigger than0.22 ac76% of homes78% of homes
Year builtnewer than199160% of homes53% of homes

About 8685 Garnet Ct

How much is 8685 Garnet Ct, Hilmar, CA worth?

The TopHap Estimate for 8685 Garnet Ct, Hilmar, CA is $434,181 as of Jul 14, 2026. The likely range is $422,629 to $445,733. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 8685 Garnet Ct, Hilmar, CA last sell?

8685 Garnet Ct, Hilmar, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 8685 Garnet Ct, Hilmar, CA?

8685 Garnet Ct, Hilmar, CA has 3 bedrooms, 2 bathrooms, 1,505 square feet of living space and a 0.22-acre lot.

When was 8685 Garnet Ct, Hilmar, CA built?

8685 Garnet Ct, Hilmar, CA was built in 1991, making it 35 years old. The building has 1 story.

What schools serve 8685 Garnet Ct, Hilmar, CA?

8685 Garnet Ct, Hilmar, CA is assigned to Hilmar High School (high), rated C; Hilmar Middle School (middle), rated C; Elim Elementary School (elementary), rated C. All sit in Hilmar Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 8685 Garnet Ct, Hilmar, CA compare to other homes in Hilmar 95324?

Among the 2,016 homes in Hilmar 95324, it is worth more than 47% of them ($434,181 against a typical $443,668), its price per square foot is higher than 44% of them ($288 against a typical $293), it is bigger than 52% of them (1,505 ft² against a typical 1,492 ft²), its lot is bigger than 76% of them (0.22 ac against a typical 0.17 ac) and it is newer than 60% of them (1991 against a typical 1988). Measured against all of Merced County, it is worth more than 71% 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 8685 Garnet Ct, Hilmar, CA?

The 2025 property tax bill for 8685 Garnet Ct, Hilmar, CA was $2,388. The county assessed it at $221,737.

Closest homes

More homes in Hilmar 95324

Assigned schools

Explore the area

See this home in context

Open 8685 Garnet Ct on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map