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Single Family ResidenceResidential
$412,657$231 / 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
Last sold for $265,000 on Jul 20, 2017

3489 CLOUDS REST CT

MERCED, CA 95340
3
Beds
2
Baths
1,787 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.
0.19 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.
7
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

$413K
$399K low$426K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$265,000 · Jul 20, 2017
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.$28,957
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$23,166
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.91%
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.$250,700
CARDINAL FINANCIAL COMPANY LP · recorded Jul 13, 2020
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.$133,000
EDUCATIONAL EMPLOYEES CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,276 (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.$301,521 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$250,321
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$301,521

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.44
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
52
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
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.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.1 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
CountyMerced
Lot (acres)The size of the land the home sits on, from county records.0.19
ConstructionThe main material the home's frame and walls are built from.Wood Frame
HeatingThe type of heating system in the home.Central
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 · 200 ft²Porch · 128 ft²

Transaction History(11)

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
Peterson Elementary SchoolA-
Elementary · Grades KG–6 · 0.3 mi
M
Cruickshank Middle SchoolC
Middle · Grades 7–8 · 0.7 mi
H
Merced High SchoolC-
High · Grades 9–12 · 0.8 mi

District: Merced City Elementary School District

Neighborhood · ZIP 95340These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.106

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
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.2.6%
PopulationHow many people live in this area.38,692
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.575 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,992
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,153
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.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

3489 Clouds Rest 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.

  • Has a bigger lot than 67% of homes in Merced County
  • Newer than 72% of homes in Merced 95340

What homes are worth in Merced 95340

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

This home
$195K$905K

This home is worth more than 61% of homes in Merced 95340.

How it measures up in Merced 95340

The dot is this home. The mark in the middle is the typical home in Merced 95340.

Estimated value$412,657
CheaperTypical $375,896Pricier

Pricier than 61% of homes nearby

Price per ft²$231
CheaperTypical $231Pricier

Pricier than 50% of homes nearby

Living area1,787 ft²
SmallerTypical 1,664 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.19 ac
SmallerTypical 0.18 acBigger

Bigger than 57% of homes nearby

Year built1990
OlderTypical 1973Newer

Newer than 72% of homes nearby

How 3489 Clouds Rest Ct ranks against every home in each area.
MeasureThis homeMerced 95340Merced County
Estimated valuepricier than$412,65761% of homes62% of homes
Price per ft²pricier than$23150% of homes45% of homes
Living areabigger than1,787 ft²57% of homes64% of homes
Lot sizebigger than0.19 ac57% of homes67% of homes
Year builtnewer than199072% of homes51% of homes

About 3489 Clouds Rest Ct

How much is 3489 Clouds Rest Ct, Merced, CA worth?

The TopHap Estimate for 3489 Clouds Rest Ct, Merced, CA is $412,657 as of Jul 14, 2026. The likely range is $399,422 to $425,892. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3489 Clouds Rest Ct, Merced, CA last sell?

3489 Clouds Rest Ct, Merced, CA last sold on Jul 20, 2017 for $265,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 3489 Clouds Rest Ct, Merced, CA?

3489 Clouds Rest Ct, Merced, CA has 3 bedrooms, 2 bathrooms, 1,787 square feet of living space and a 0.19-acre lot.

When was 3489 Clouds Rest Ct, Merced, CA built?

3489 Clouds Rest Ct, Merced, CA was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 3489 Clouds Rest Ct, Merced, CA?

3489 Clouds Rest Ct, Merced, CA is assigned to Peterson Elementary School (elementary), rated A-; Cruickshank Middle School (middle), rated C; Merced 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 3489 Clouds Rest Ct, Merced, CA compare to other homes in Merced 95340?

Among the 10,863 homes in Merced 95340, it is worth more than 61% of them ($412,657 against a typical $375,896), its price per square foot is higher than 50% of them ($231 against a typical $231), it is bigger than 57% of them (1,787 ft² against a typical 1,664 ft²), its lot is bigger than 57% of them (0.19 ac against a typical 0.18 ac) and it is newer than 72% of them (1990 against a typical 1973). Measured against all of Merced County, it is worth more than 62% 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 3489 Clouds Rest Ct, Merced, CA?

The 2025 property tax bill for 3489 Clouds Rest Ct, Merced, CA was $3,276. The county assessed it at $301,521.

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