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Single Family ResidenceResidential
$422,809$543 / 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 93How 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
Last sold for $420,000 on Aug 19, 2025

20 W RUBY ST

RICHMOND, CA 94801
1
Beds
1
Baths
779 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.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$423K
$393K low$452K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$420,000 · Aug 19, 2025
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.$44,809
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$35,847
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.90%
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.$378,000
AMERICAN PACIFIC MORTGAGE CORP · recorded Aug 19, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,660 (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.$420,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$300,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$120,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$228,000

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.30
50
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
Lot (acres)The size of the land the home sits on, from county records.0.12
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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
Verde Elementary SchoolD-
Elementary · Grades KG–6 · 0.6 mi
H
Richmond High SchoolD+
High · Grades 9–12 · 1.3 mi
M
Helms Middle SchoolF
Middle · Grades 7–8 · 1.7 mi

District: West Contra Costa Unified School District

Neighborhood · ZIP 94801These 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.135
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 100.564

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.19%
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.34,858
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,957 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,136
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,543
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.Absentee owner
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

20 W Ruby 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 92% of homes in Contra Costa County
  • Costs more per square foot than 98% of homes in North Richmond
  • Smaller than 98% of homes in Contra Costa County
  • Has a smaller lot than 73% of homes in Contra Costa County
  • Older than 90% of homes in Contra Costa County

What homes are worth in Richmond 94801

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

This home
$208K$1.6M

This home is worth more than 32% of homes in Richmond 94801.

How it measures up in Richmond 94801

The dot is this home. The mark in the middle is the typical home in Richmond 94801.

Estimated value$422,809
CheaperTypical $477,700Pricier

Pricier than 32% of homes nearby

Price per ft²$543
CheaperTypical $402Pricier

Pricier than 89% of homes nearby

Living area779 ft²
SmallerTypical 1,276 ft²Bigger

Bigger than 6% of homes nearby

Lot size0.11 ac
SmallerTypical 4,008 ft²Bigger

Bigger than 62% of homes nearby

Year built1948
OlderTypical 1948Newer

Newer than 50% of homes nearby

How 20 W Ruby St ranks against every home in each area.
MeasureThis homeNorth RichmondRichmond 94801Contra Costa County
Estimated valuepricier than$422,80923% of homes32% of homes8% of homes
Price per ft²pricier than$54398% of homes89% of homes64% of homes
Living areabigger than779 ft²4% of homes6% of homes2% of homes
Lot sizebigger than0.11 ac63% of homes62% of homes27% of homes
Year builtnewer than194818% of homes50% of homes10% of homes

About 20 W Ruby St

How much is 20 W Ruby St, Richmond, CA worth?

The TopHap Estimate for 20 W Ruby St, Richmond, CA is $422,809 as of Jul 14, 2026. The likely range is $393,464 to $452,154. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 W Ruby St, Richmond, CA last sell?

20 W Ruby St, Richmond, CA last sold on Aug 19, 2025 for $420,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20 W Ruby St, Richmond, CA?

20 W Ruby St, Richmond, CA has 1 bedrooms, 1 bathrooms, 779 square feet of living space and a 0.12-acre lot.

When was 20 W Ruby St, Richmond, CA built?

20 W Ruby St, Richmond, CA was built in 1948, making it 78 years old. The building has 1 story.

What schools serve 20 W Ruby St, Richmond, CA?

20 W Ruby St, Richmond, CA is assigned to Verde Elementary School (elementary), rated D-; Richmond High School (high), rated D+; Helms Middle School (middle), rated F. All sit in West Contra Costa Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 W Ruby St, Richmond, CA compare to other homes in Richmond 94801?

Among the 7,009 homes in Richmond 94801, it is worth more than 32% of them ($422,809 against a typical $477,700), its price per square foot is higher than 89% of them ($543 against a typical $402), it is bigger than 6% of them (779 ft² against a typical 1,276 ft²), its lot is bigger than 62% of them (0.11 ac against a typical 4,008 ft²) and it is newer than 50% of them (1948 against a typical 1948). Measured against all of Contra Costa County, it is worth more than 8% 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 20 W Ruby St, Richmond, CA?

The 2025 property tax bill for 20 W Ruby St, Richmond, CA was $4,660. The county assessed it at $420,000.

More homes on W Ruby St

Closest homes

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Assigned schools

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